Repossession questioned by deeds not being signed

[alisono]

Hi p.j just to let you know. Your mortgage has been sold as mine to eurosail if you send me your email i will mail you the copy they sent me as preferred is on it. But they sold them all in 2007 told me that my mortgage had been pooled with other mortgage's and Eurosail has a benefical interest, but preferred are definitely in the document

[p.j]

hi alisono here is my e-mail [edit]thank you very much just what i was looking for.

 

p.j

Edited September 25, 2013 by caro

[alisono]

hi alisono here is my e-mail [email protected] thank you very much just what i was looking for.

 

p.j

 

ok no worries i will send over tomorrow morning and we can compare notes if i can help i will.

[caro]

hi alisono here is my e-mail [edit]thank you very much just what i was looking for.

 

p.j

 

Email address removed. Please keep all information on the open forum.

[caro]

I just want to make it very clear to new posters on the thread that the theories and ideas on this thread have yet to reach a final successful conclusion.

 

CAG is allowing the thread for those who are interested but would not suggest that people risk their homes using unproven tactics.

[p.j]

oops sorry wasn't thinking at the time of posting it up wheres the option to pm?

[p.j]

ok alisono no problem thank you...

[alisono]

Sorry Caro, i want to help, Applecart and HI IS IT ME? Have helped me,

if you tell me how to add a document PDF i will post it up.

[p.j]

hi alisono what is the MD number ?

[IS IT ME?]

You'll find that at the bottom left hand corner, MD402 or some thing like that that will confirm it was sold on under a bundle of mortgages.

If you are worried about the court hearing don't be where about is the hearing?

As for tired and tested no but its what has put a stop to my case for my friend and even got a judge to ask question now which has never happened before.

 

We see once again who the good old banks which we are told are whiter than white srew up big time and are fined millions yet where are the people saying the Libor rates are too high get them down! .

[applecart]

hi applecart thank you just one more thing the 1999 act section ten exibit A bit is this the grounds form i send ?

 

Hi P.J

 

The Trustee Delegation Act 1999 will only apply to your case - IF - you have 'evidence' that your 'mortgage' was bundled for sale with Alisono's and others...

 

The documents that Alisono is referring too - may assist you to find your 'mortgage'

 

The 'securitisation' documents either quote the 'MD' No....others will list your 'mortgage ' account No.....

 

The MD number is located on the official copy of the mortgage deed that HMLR sent to you.

 

If you do wish to rely on the TD ACT 1999 - and you get the 'evidence' you need to prove the sale....then you will need to adapt the 'letter' to the court to include the detail as shown in the letter I posted up for Alisono...

 

Hope this helps?

 

Apple

[applecart]

Dear Apple

 

all sent letter to court with all attached information. Hand delivered this afternoon.

 

Brilliant : )

 

letter and application sent to property chamber by next day delivery.

 

Fantastic ...... Did you include evidence of the Deed and other paperwork in support of the grounds?

 

only need tomorrow to send to Spml should i include for their copy the application to the property chamber or just mention it.

 

No....Do not send SPML anything other than the letter......this is because your application to the Chamber is separate..........They will know that you intend to submit an application to the Chamber from the detail in the letter.....you can take a copy of the 'application' to the court ....show it to the Judge as confirmation of what you have sent to the Chamber.....the Judge should be aware that SPML will be sent a copy of the application by the Chamber in due course.....they get the chance to defend its content at that time only.....not before.....ok??

 

funnily enough they have been calling me this week.

 

Interesting........wonder what they had to say....perhaps they visit this thread too.....if they do...then they will already know the content that has gone into the application to the Chamber : )

 

thank you

 

No Problem : )

 

Apple

[applecart]

I just want to make it very clear to new posters on the thread that the theories and ideas on this thread have yet to reach a final successful conclusion.

 

CAG is allowing the thread for those who are interested but would not suggest that people risk their homes using unproven tactics.

 

Thanks Caro...

 

I had no idea you were only 'allowing the thread' for those who are interested?

 

I thought the CaG was about assisting consumers and giving them as much information as possible to help defend their consumer rights?

 

Please do not take this the wrong way...but....May I just say.....there are a number of Borrowers who do not succeed even when they take in an Income and Expenditure form into court....and many who may be successful the first time around using that approach and then fail at a later date.....As we All Know....

 

This thread provides lawful remedy to stave off possession of the consumers home - all of which is based on the statutory provisions in place to protect the public interest....

 

If you disagree; then it would be helpful if you would say where you deem we are going wrong?

 

One does not always shout 'success'!!...

 

Some prefer to just post up what they know will be successful..

 

I think 'caution' is necessary in any steps taken to protect ones home....never mind the approach you chose to take.....

 

I trust you will take this response with the good intention intended and will not cause you to 'ban' me from posting .....??

 

Apple

[applecart]

You'll find that at the bottom left hand corner, MD402 or some thing like that that will confirm it was sold on under a bundle of mortgages.

If you are worried about the court hearing don't be where about is the hearing?

As for tired and tested no but its what has put a stop to my case for my friend and even got a judge to ask question now which has never happened before.

 

We see once again who the good old banks which we are told are whiter than white srew up big time and are fined millions yet where are the people saying the Libor rates are too high get them down! .

 

Hi Is It Me,

 

I've no idea how long it will take for one and all to realise.....there is NO LAW that says a Borrower can 'mortgage' any registered land....not in the UK

 

There is no LAW that says a lender should not execute the deed prior to repayment of any Borrower indebtedness...not in the UK

 

There is NO DEFENCE....Not since the LRA 2002...Not since the RRO...Not since the repeal of section 36 (3) AEA 1925 by the LPMPA ....need I say any more....??

 

Reliance on the LAW cannot be construed to be a 'tactic' as suggested

 

(I do hope Caro does not take offence to my picking up on the word he/she used here)

 

The Law and its intent is there to inspire and empower Borrowers .... in this thread... the Law will assist them stave of possession of their homes....

 

I would say it is a 'tactic' to abuse the law...

 

This thread and its content does not abuse the law....The Banks and Lenders did that....Not Us

 

That's why this thread has attracted more than 45,000 views so far.....more than any other on the CaG to do with Repossession...so, you can bet..... 'interest' is not an issue here...

 

Let's keep up the pressure....All who want assistance with staving off repossession can rely that this thread can definitely assist them do so : )

 

Apple

[applecart]

Hi P.J

 

This link will get you to the Mortgage Sale Agreements for SPML that 'Allisono' tried to post up .........

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?358093-Mortgage-Securitisation-Discussion-Thread/page4&highlight=securitisation

 

look at post '64'

 

Hope this helps?

 

Apple

[UNRAM]

Can anyone please advise me how I may establish whether my own mortgage was securitised. I don't intend (nor need) to rely on it but I want to know - on the grounds that my lender NRAM has told me it is none of my concern and is confidential - so I want to send the information to them.

[IS IT ME?]

well put once again, you must have had a lot of tea

I think that may be just may be the penny had droped here and people ARE TAKING NOTICE AND STOPPING LENDERS who are using Tactics here to stop borrowers from keeping there homes.

after all looking back before all these money men started this securitistion none of this was going on.

So yes think about it once think about twice then DO IT! and how many of these 45,000 are thinking of doing it?

[p.j]

hi applecart thank you found the number and looking through the pdf it shows my mortgage sold on from preferred to eurosail.i am just a bit confused now at which letters to send.

 

thanks p.j

[p.j]

hi is it me thank you found the number the case is in nottingham.

 

p.j

[caro]

PJ, I suggest that you don't do anything unless or until you understand the legal arguments. Please read steampowered's posts.

[p.j]

hi caro your advice is duly noted asking questions does not constitute to me not understanding before i do anything.

getting things correct before i do is what matters to stop these grim reapers getting there hands on my property illegally.

 

please don't take offense to my reply i thought the same thing CAG was the place to ask them if one was unsure.

[caro]

I don't take offence at all pj and none intended to you.

 

CAG is most definitely the place to ask questions so that you are prepared for any questions that may arise in court.

[applecart]

hi applecart thank you found the number and looking through the pdf it shows my mortgage sold on from preferred to eurosail.i am just a bit confused now at which letters to send.

 

thanks p.j

 

Hi P.J

 

I'm glad you found reference to your 'mortgage' in the document : )

 

You caused me to re-look at the letter I posted up for you.... I understand why you are confused.....I had mistakenly left in the section about the TDA - which I had intended to omit......yes....I admit, My fault.....

 

Not that it would have taken away from the main 'thrust' of the letter or it's intent....It would work to alert the court to the fact that there is an issue to do with the sale of your 'mortgage'....similar to that of Allisono......

 

So, here's what to do now that you do have the proof of the sale of your 'mortgage'

 

The letter I posted up for 'Allisono'....can be used in your case; where-ever it refers to 'demise'....insert 'sub-demise' ...

 

Likewise..... your 'grounds' in support.....can also be the same as that posted for 'Allisono'....just amending the parts as necessary to make it clear you say 'sub-demise'....where so ever it says 'demise'....ok

 

I don't want to post it up again.....takes up too much space on the thread....

 

Is that ok?

 

If not - let me know... ; 0

 

Apple

[applecart]

well put once again, you must have had a lot of tea

I think that may be just may be the penny had droped here and people ARE TAKING NOTICE AND STOPPING LENDERS who are using Tactics here to stop borrowers from keeping there homes.

after all looking back before all these money men started this securitistion none of this was going on.

So yes think about it once think about twice then DO IT! and how many of these 45,000 are thinking of doing it?

 

Thanks Is It Me ....

 

At least you fully understand where I am coming from.....

 

I hope all of the viewers make applications personally.....because if they aren't ...they should be.... that's for sure....It's their right to do so....

 

Don't forget, even if they work for a lender....they may still have an illegally charged mortgage on their registered estate

 

Even if they are a Barrister, Solicitor.....they too may have an un-lawfully charged mortgage on their registered estate.....

 

This blight affects everyone who has a 'mortgage' charged on registered land.....

 

To which the Lender has no defence... : )

 

 

 

Apple

[UNRAM]

well put once again, you must have had a lot of tea

I think that may be just may be the penny had droped here and people ARE TAKING NOTICE AND STOPPING LENDERS who are using Tactics here to stop borrowers from keeping there homes.

after all looking back before all these money men started this securitistion none of this was going on.

So yes think about it once think about twice then DO IT! and how many of these 45,000 are thinking of doing it?

Dear CAG reader, I recently made a similar application to the Property Chamber. I decided to go into voluntary arrears 5 months ago after the lender started referring to my mortgage payments as a subscription (a very strange setup and the lender is refusing to offer any further communication on the subject). I recently presented the legal information in this thread directly to the lender's CEO ahead of making the application and I have been met with silence - i.e. no reply at all. No legal action has been taken for repossession of my property and the lender is even refusing to tell me if it is charging interest on the subscription arrears or whether it is making further "administrative" charges. Apparently all this is regulated by the FCA who are refusing to make any comment or offer any advice or assistance on the irregularities I have described to them.

Edited September 26, 2013 by UNRAM