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Trying to trace information regarding old secured loan with Cedar Holdings Limited


Angel_lover240
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Hi

 

I am the executor for my late mother's estate and we are in the process of selling her house.

 

We have hit an obstacle in that there is a secured loan which was paid off in the early '90s

but it is still listed as outstanding on the title deeds.

 

The loan was with Cedar Holdings Limited,

which is now a dormant company and comes under Black Horse Finance Management.

 

I have called them today and been given a number for their secured legal department in Cardiff,

but the number is constantly engaged.

 

We are trying to get proof that the loan has actually been repaid,

can anyone give me any advice on the best way to take this forward,

apart from trying to call them constantly?

 

Any help would be greatly appreciated!!

Thank you!!

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Email/ Special delivery snail mail ?

 

I will ask others on the site team if they have any ideas as well.

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Looking for a draft letter? Use the CAG Library

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have left a message for others on the site team, I am sure someone will have an idea :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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what evidence do you have its paid off?

 

was it via a bank account

and who with

 

for sums of that nature

banks usually still hold data

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

Although this was a loan secured on the house,

I think it was a loan my father had for a car or to pay off other debt.

 

He didn't have a bank account, but I have managed to find the payment books where he had paid in cash monthly at the bank.

 

Then when the loan period was at an end, Cedar Holdings had sent a letter to say that although the loan period was ended, there was still £112.13 outstanding.

 

The last counterfoil in the payment book is filled in with that amount in my mother's handwriting,

but has not been stamped by the bank and I think that she may well have sent off a cheque for that final payment.

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why don't you contact land registry

 

see what they say

you have proof.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

I have re-read the email that the solicitor sent to me when Cedar Holdings and this loan were first mentioned.

I had assumed that I was trying to find proof that the load had been paid off,

 

but this is what the solicitor said to me:

 

"There is one document that I do not hold in the bundle of title deeds that you provided,

that is the legal charge dated 12 June 1984 with Cedar Holdings Ltd.

 

The list of documents that I have states that this charge has been paid off in full,

however I anticipate that the buyer’s solicitor will ask for evidence of this.

Please can you confirm whether you hold a copy of this document?"

 

So what would this document be like

- just the original paperwork for the loan that was taken out signed by my parents??

 

Thanks for any help - much appreciated!!

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no proof it was paid off from CH.

 

 

I think its time you sent them an sar.

somethings not right here

I wonder if CH added unlawful fees at some point

and this is the extra they were after.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you can.

 

 

simply include legal proof you are entitled to yes.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Only copies - do NOT send originals :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 months later...
Only copies - do NOT send originals :)

 

I have exactly the same problem with Cedar Holdings.

 

 

My loan, of which I have no memory, was apparantely taken out in 1982 through Nationwide BS.

Nationwide have come back to me with a copy of a letter from CH legal dept dated 1984

referencing this loan and that is the only documentation I have seen

apart from a Nationwide form completed by Nationwide showing details of an advance on my mortgage from them

but referencing CH. This mortgage has been paid off.

 

I have asked Nationwide to look into it for me but they have threatened to send the title deeds to CH

unless I provide proof that the loan has been paid off.

 

Are CH part of Blackhorse as I need to write to them asking them for a statement to that effect.

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Hi

Sorry for delay in replying.

 

 

Yes Black Horse Finance are 100% shareholder of Cedar Holdings,

 

 

I have found them really helpful when speaking to them,

 

 

the only issue obviously is the length of time that has passed

so they don't necessarily have records of loans that have been paid off.

 

 

I called their Customer Service department on 03448 248 888 in the first instance,

they have some archives of Cedar Holdings files.

Good luck!!

 

Angel_lover240

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Thanks for that. I have contacted BH using that number and hopefully the person I spoke will sort this out, she did sound quite efficient. I will keep you informed of progress.

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