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travelbug1974

Mortgage Validity

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I have a mortgage granted in the early 90's through a broker who never had a consumer credit license. The broker no longer trades, in fact I am told he has been to prison since but I cannot prove that. I have searched on the OFT site and cannot find a record of him ever having had a license. Does this help me at all? I read on the OFT website that credit agreements without a license are not enforceable, does this apply to mortgages? After 13 years of labour legislation the picture is now so confusing I do not know where to look. Is it FSA or OFT or what?

 

I have just found out about this and have repossession hearing on the 7th of September.

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