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Missy06

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Everything posted by Missy06

  1. Ok thanks for that.......now could you please share with us how you got this info as I can't seem to get anyone who knows how to track which deal ones mortgage was sold!:-|........I feel like I'm going round in circles here!
  2. I have my title number from the land reg docs sent to me when Preferred were seeking repossession. Are u saying I should just look up my title number in the prospectus? Actually, from what I can see there are no title numbers in these prospectuses......or am I wrong?!? .....Supersleauth....what do u think?
  3. Ok,I've managed to find the Alba 2005-1 propectus...and it's 244 pages! How do I find my mortgage now?!?
  4. Hiya, found out that ".....The mortgage loans are originated by Oakwood Home Loans Limited, and this represents Oakwood™s first entry into the securitisation market. The arranger and bookrunner was Credit Suisse first Boston. The issue is guaranteed by CIFG Europe. We also provided the corporate services for OGA1-Alba Plc, which was used to warehouse the mortgages before the securitisation itself". Found at Alba 2005-1 Plc | Law Debenture This seems to imply that aside from Alba 2005-1, we should also check out this OGA1-Alba Plc.....or what?!?
  5. I just remembered reading post #44 on this thread and quote which said the Alba 2005 deal was Oakwoods first in the UK (see in red below): "The deal, which was completed on 30th November 2005 through the Alba 2005-1 vehicle, comprised £200 million of near-prime residential mortgage assets from Preferred Mortgages Limited, and £100 million of conforming Buy to Let assets from Platform Home Loans Limited. The deal represents Oakwood’s first securitization in the UK. The company has previously completed four securitizations through its Australian subsidiary, Pepper Homeloans. This transaction is part of Oakwood’s on-going strategy to expand its activity in the UK mortgage market. The assets will be serviced by Homeloan Management Limited (Preferred) and Western Mortgage Services (Platform) while Oakwood will act as Special Servicer on both portfolios.The transaction also included a monoline wrap of one AAA tranche provided by CIFG. Michael Culhane, Chief Executive of Oakwood, commented, “Platform and Preferred are both well established mortgage lenders with solid track records and strong asset performance. This transaction significantly enhances our position in both the UK mortgage space and the wider investment community. The Oakwood Homeloans team have worked hard to build on the experience of its first acquisition from Amber Homeloans in February and have successfully tackled the challenge of a first time securitisation. We now look forward to continuing to develop Oakwood Homeloans as an efficient and reliable purchaser, securitiser and special servicer of UK mortgage assets.” CSFB acted as financial advisor and warehouse provider to Oakwood for the acquisition of the mortgage pools. The lead managers on the securitisation were Credit Suisse First Boston and Lehman Brothers. Oakwood was advised in the transaction by Clifford Chance.
  6. Hiya Scedminc, well I'm not too sure which it is but I'll email them to confirm. I thought it was ALBA as no other name has been mentioned on the thread!!......or did I miss something?!? How did you find out that yours is ALBA?!?
  7. I've already sent a SAR to Preferred specifically asking for the name of each company to whom they passed my data info in respect of the securitasation, etc as suggested by SuperSleuth and Capstone sent me an acknowledgement letter this week. Below is the content of the letter: "Subject Access Request Under Section 7 of the Data Protection Act 1998 I acknowledge receipt of your letter in which you requested copies of information held on our records, together with your cheque for £10 in respect of the fee payable in this respect; both of which were received on...... Please kindly note: 1) Under the terms of the Data Protection Act we are granted 40 days from receipt of the payment to provide information held. 2) Where data information is held on your file for a third party details will not be released without the 3rd parties written consent. this includes for example where the account is in joint names. Where 3rd party correspondeance is held, we will not release copies of this information to you without first obtaining the 3rd parties written consent. We will contact you once we are in a position to provide the information you have requested......" The account is only in my name so I don't think 2) applies to me anyway........I wait to see what they come back with. In the meantime, I'd like to get the prospectus from the ISE if it's available...
  8. Campari / SuperSleuth, just subbing and looking at taking my case up with Preferred as I have a suspended repossession with them. I've gone to the ISE website and done the debt search on ALBA but it only goes back to 2006! My mortgage completed in summer of 2003....Any idea on how how I can find the deal in which my mortgage was sold under?!?...............or should I just call the ISE?? I'm also thinking that because my mortgage was taken out earlier than yours, it might have not been sold under an ALBA deal......
  9. Hiya all, can any of the experts on the thread please confirm if I'm correct on the following: 1) In issuing the CCA letter, the aim is to DELAY PAYING OFF AN ACCOUNT IN ONES OWN TIME; 2) Although one delays paying off the account, defaults maybe lawfully issued on ones credit file and DCAs may still chase one for the debt. 3) In issuing the CCA letter, an individual CAN'T AVOID PAYING OFF THE RELATED DEBT; no matter when, the debt has to be paid eventually. 4) If one has already received a refund of charges for an account, the account can still be said to be in dispute if the bank can't find the CCA. 5) If a default has already been registered on an account, one can pay back as and when wants to on the account; afterall, the damage has been done. Or alternatively, one can just make an arrangement to make token amounts of say £10 p/m. Afterall, one still has to clear the debt?!? 6) If a default hasn't been registered, isn't it best to maintain the fact that the account is in dispute and just arrange with the creditor to make token amounts of say £10 p/m?!? Just to save ruining one credit file. 7) If the creditor later turns up with a CCA, the individual will owe not only the previous balance, but also any accrued interest on the previous balance which they ask for. Thx in advance!
  10. Hiya all, can any of the experts on the thread please confirm if I'm correct on the following: 1) In issuing the CCA letter, the aim is to DELAY PAYING OFF AN ACCOUNT IN ONES OWN TIME; 2) Although one delays paying off the account, defaults maybe lawfully issued on ones credit file and DCAs may still chase one for the debt. 3) In issuing the CCA letter, an individual CAN'T AVOID PAYING OFF THE RELATED DEBT; no matter when, the debt has to be paid eventually. 4) If one has already received a refund of charges for an account, the account can still be said to be in dispute if the bank can't find the CCA. 5) If a default has already been registered on an account, one can pay back as and when wants to on the account; afterall, the damage has been done. Or alternatively, one can just make an arrangement to make token amounts of say £10 p/m. Afterall, one still has to clear the debt?!? 6) If a default hasn't been registered, isn't it best to maintain the fact that the account is in dispute and just arrange with the creditor to make token amounts of say £10 p/m?!? Just to save ruining one credit file. 7) If the creditor later turns up with a CCA, the individual will owe not only the previous balance, but also any accrued interest on the previous balance which they ask for. Thx in advance!
  11. Can any of the experts on the thread please confirm if I'm correct on the following: 1) In issuing the CCA letter, the aim is to DELAY PAYING OFF AN ACCOUNT IN ONES OWN TIME; 2) Although one delays paying off the account, defaults maybe lawfully issued on ones credit file and DCAs may still chase one for the debt. 3) In issuing the CCA letter, an individual CAN'T AVOID PAYING OFF THE RELATED DEBT; no matter when, the debt has to be paid eventually. 4) If one has already received a refund of charges for an account, the account can still be said to be in dispute if the bank can't find the CCA. 5) If a default has already been registered on an account, one can pay back as and when wants to on the account; afterall, the damage has been done. Or alternatively, one can just make an arrangement to make token amounts of say £10 p/m. Afterall, one still has to clear the debt?!? 6) If a default hasn't been registered, isn't it best to maintain the fact that the account is in dispute and just arrange with the creditor to make token amounts of say £10 p/m?!? Just to save ruining one credit file. 7) If the creditor later turns up with a CCA, the individual will owe not only the previous balance, but also any accrued interest on the previous balance which they ask for. Thx in advance!
  12. Suetonius, Phatram, Foolisgirl, Lexis2000 could you all please confirm if I'm correct on the following; it'll be a great summary for most of us. Here goes: 1) In issuing the CCA letter, the aim is to DELAY PAYING OFF AN ACCOUNT IN ONES OWN TIME; 2) Although one delays paying off the account, defaults maybe lawfully issued on ones credit file and DCAs may still chase one for the debt. 3) In issuing the CCA letter, an individual CAN'T AVOID PAYING OFF THE RELATED DEBT; no matter when, the debt has to be paid eventually. 4) If one has already received a refund of charges for an account, the account can still be said to be in dispute if the bank can't find the CCA. 5) If a default has already been registered on an account, one can pay back as and when wants to on the account; afterall, the damage has been done. Or alternatively, one can just make an arrangement to make token amounts of say £10 p/m. Afterall, one still has to clear the debt?!? 6) If a default hasn't been registered, isn't it best to maintain the fact that the account is in dispute and just arrange with the creditor to make token amounts of say £10 p/m?!? Just to save ruining one credit file. 7) If the creditor later turns up with a CCA, the individual will owe not only the previous balance, but also any accrued interest on the previous balance which they ask for. Thx in advance!
  13. Foolishgirl, thanks for the template!
  14. ps: I've reclaimed charges through the court on the account.
  15. Starting a new thread with MINT. Hope the're other Caggers out there in my position so we can help each other out This is the story so far: The account has been passed to Newman DCA because of missed payments over the last 3 months. I sent the bank the CCA Request Letter (using the CAG template) at beginning of the month with a postal order for the statutory £1.00 which they cashed. I received feedback 18 days later. I also sent a copy of the letter to the DCA to inform them that the account is in dispute as they call my number twice a day everyday! Anyway, the bank replied and sent me a copy of the APPLICATION FORM dated from 2004, a letter in regard to a replacement card, Ts&Cs and a copy of my last statement.....no CREDIT AGREEMENT! I'll post a scanned copy of the letter sent to me when I can figure out how I can scan it to the forum!!.....can anyone provide this info?!?
  16. Starting a new thread with HSBC as this CCA could get complicated! This is the story so far: Sent bank the CCA Request Letter (using the CAG template) at beginning of the week with a postal order for the statutory £1.00 and they replied by the weekend (without cashing the postal order). That was quick!! ..... I'll post a scanned copy of the letter sent to me when I can figure out how I can scan it to the forum!!.....can anyone provide this info?!?
  17. Great stuff! Thanks for that.....will bear in mind if required in the future:D
  18. Really! I didn't know that!! Better get a copy of my latest credit file sent to me and see who's put a default on my accounts;).......and see how to move on! Thanks for that.
  19. Havinastella, what's the best way around not wrecking ones credit file as you stated above?!? I'm looking at offering about £10.00 p/m to clear off my balance with about 5 different banks (which is way lower than the minimum payment) but don't want my credit file ruined any further!!
  20. Surprise thanks for that. However, I don't get the 14 day notice part of your response in regard to the default:(.......could you please shed some more light on this for me? Thx!
  21. Surprise, if you don't mind telling us: 1) what was your balance at the time of the agreement to pay back without interest? 2) What was the repayment they accepted as I'm looking at proposing to pay £5p/m on my £500 balance? (Until I have lump sums to pay if off completely). 3) had they registered a default on your name at the time you reached the above agreement? Missy
  22. Surprise, did you claim back your bank charges through the court or did they just refund the monies to you based on the letter you sent to them directly?
  23. , Moving on....what's the next step for those who've received a copy of an application form with a signature on it....not a credit agreement with a signature? Secondly, is there anyone with a template for this step?!? Thirdly, I've received docs from HSBC with everything but a document with my signature on it. Pls what do I do next?!? Thx!
  24. Scrapper, I'm in a similar position with Vanquis and HSBC credit cards. Have you gotten any help on how to proceed?
  25. I found this link while searching through the threads and think is what I need:-): Compound Interest Spreadsheet I also found this link but not sure if it's the same: http://shweb.pwp.blueyonder.co.u k/Co...Sheet_v1.9.xls
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