Welcome finance and false witness on legal charge

[digi882]

Hi Can you please help me aside from the spurious charges which will be claimed back before they go bust, i sent a SARS request to welcome finance i did a rewrite in 2008 ONLY myslef attended my wife did not, however i noticed on the charge they had added in a witness signature on my wifes section even thought she was nto present on teir premises nor signed it is this legal? or doesnt it render the charge null and void.

[digi882]

Hi everyone need some advice on this, I have had a rewrite and signed a new Legal charge document for a secured loan (lodged as equitable charge with land registry) I alone applied for the loan not my wife who is also on the mortgage deeds. Now following a SARS i noticed that the new charge had a witness signature signed by someone in Welcome office and not in my presence either on my wifes sections (she was not party to the loan nor re-write).

I have spoken to the land registry who were sayign as my wife was not party to the loan there should not be any witness onthe sceond charge, also i explained that the original loan had been re-written new agreement signed to my amazement she said there is no second charge lodged wiht the land registry. so here is the thing , can the first charge document be used even though that loan has been re-written effectively paid off.

if not then ther is not charge at all and as such it is not a secured loan...

HELP please on this one.

[postggj]

Do You Have The New Agreement

[digi882]

yes i have the new agreement

[postggj]

google photobucket

ignore the adds and post it up

 

deleate personal info but leave in the figures

[Major Player]

digi - hi I found your thread by accident, you could ask to get this moved to the Welcome forum but certainly it would seem that you may have a case to get your charge removed by the land registry.