Thanks killerschick. The previous owner that I bouth the property off was repossed so I bought from halifax (the reposser bank). I bought with a first direct mortgage. In April 2010. The phantom mortage letters are from nationwide for someone I don't know who alledgedly bough the place in 2009 (Seems like some kind of fraud, the name is not the previous owners). I'm not sure why they would try to put an equitable charge on the property when my name is clearly on the land register now. I was thinking they tried so they would have more leverage if it went to court or something like that? Thanks yes you right if nationwide didn't register thier ineterst in the property they should not technially be able to reclaim the house (Fingers crossed hope that is the case) You're right I better start sending the letters back the only reason I open them is that the previous owner had a lot of debt and so phone the debt companies to tell them that this person is no longer here. I'm afraid there might be baliffs coming and I wont know about it! So not sure what is the correct action? Again thanks for you're answer it helps to ease my mind a little. Kindest regards, Jay

Thanks Jansus. I don't think my credit would be affected as no charge has been put on the house (as I blocked it) However I don't want to let m current mortgage lender know in case it affects me getting a remortgage later with them. I may fix for 5 years first then let them know as I'm on variable now and if i get stuck in a legal dispute I wont be able to sell adn don't want to be at risk with avariable rate unable to remortgage. In terms of legally I'm not sure whether Nationwide can do anything as I bought the property after the phanto second mortage had been placed against the house. My lawers never picked it up as it wasn't registered on land registry. I'm not sure who is at fault here and whetehr I should be worried or not. I've sent nationwide a few letters asking them to stop sending me the letters but the said they have to as thats the only address registered with them for that person (although at first they said they would stop) It's quite worring and frustrating for us as there doesn't seem to be anything we can do until Nationwide takes action to repossess. Thanks again. Jay

Hi Guys, Would be grateful if anyone could shed light on this. I bought my house in May 2010 with a First Direct mortgage from Halifax (previous owner was repossesed). I then got a letter in June from Nationwide for a Mr xxxxxxxxxx I opened the letter and found a mortgage for 250,000 punds on the property. The person was not the previous owner as far as I know. And from the statement he hasn't ever paid the mortage so looks like some sort of fraud. Nationwide refuse to discuss it with me. They tried to put a charge on the property with land registry in Auguast but I filed against it so they would have to provide evidence which they didn't. I was then told they are investigating it and it's with the fraus department (my conveyancing solictor spoke to the nationwide solicitor filing the charge). However I am still getting these arrears letters, and worried they will try and reposses. The land registry has my name on it so I'm not sure wheteher they have any claim on the property or whetehr they can reposses me? Any one heard of this before? I don't understand how a second mortgage could of ever been made ont the house with out a land registry charge made - if I knew I would never have bought it. Thanks Jay