Enact want £30,000 - Mortgage shortfall

[Jam_Buttie]

Had a reply to the CCA request saying that a mortgage isnt governed by the CCA 1974.

 

If I would like to see the signature they invite me to send £11.00 to the local land reg office.

 

Lol..

[citizenB]

JamButtie.. Why did you send a CCA request in the first place, were you not advised to send a Subject Access Request ?

[Jam_Buttie]

I was told by people on here that either a CCA or SAR would do, so went for the cheaper one.

[citizenB]

I was told by people on here that either a CCA or SAR would do, so went for the cheaper one.

 

Ah, I apologise.

 

It is definitely a SAR you require and yes, it is more expensive however, they would be required to provide ALL data and you should indeed obtain a copy of the signed paperwork within that.. you wouldnt normally get a copy of anything governed by the CCA within the SAR.. but a mortgage isnt and a CCA request was simply a waste of a £1.00

[Jam_Buttie]

The £1.00 PO was a spare one from another client that got sent back to me lol.

 

i'll get on and arange an SAR next week and see what these fools come back with.

[Jam_Buttie]

Letter was passed to me this morning from Enact, dated last week..

 

Letter says the usual (carbon copy crap) "We see we havent had a response from you. If you wish to discuss this matter with us, please telephone blah blah.."

 

Given that every letter to them has been sent recorded AND signed for, I can only assume that they have a thief working in their post room.

[Jam_Buttie]

This arrived today, even though its dated January 2013.

 

 

 

SAR time I think..

[Jam_Buttie]

In todays post was a letter from these guys enclosing a photocopy of two pages from the deeds which showed 5 signatures:

 

1st two were the borrowers.

2nd two were witnesses inclusing their addresses.

3rd signature was a professional witness ie GP, inc address.

 

Is there some DPA thing here regarding sending out a copy of peoples names, addresses and signatures to someone?

[citizenB]

Well unless they have a copy of your driving licence and National Insurance Number on their files, then they wont be able to link the information.. will they.

 

So do you recall providing either of those when you obtained the mortgage ?

[spamheed]

If they cannot confirm that you are the person on the mortgage, then why are they contacting you in the first case?

It is not for you to assist them in any way in this matter, it is for them to prove categorically that you are the person named on the mortgage, and therefore prove your liability.

 

Sounds to me that one or two of their ducks are missing :o) and they're hoping that you will save them some work by accepting liability

[Jam_Buttie]

Should the SAR to Enact or to the mortgage company?

[Jam_Buttie]

Other thing to point out: one of the witnesses which was the professional is hard to find online - ie the address doesnt exsist..