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Hi, please could anybody experienced in conveyancing help me recognise a secondary charge on a Mortgage

 

please ignore if I upload the document ?

 

I’m unsure whether this is an admin charge or additional lending.

 

Many Thanks in advance

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If its on your deeds its a 2nd charge

Scan it u p to pdf

Read upload


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thankyou for your reply.

I have been told by a Solicitor it does. It look like additional lending but I think it may be.

it is charge number 5 I am querying

07-02-2019, 20:31 Office Lens.pdf

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rbs charge 2007?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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2007 is the date mortgage taken out it’s the charge underneath for 2018 I’m unsure of ? Whether this looks like additional lending has been taken. Thankyou

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as there is no name against the 2007 entry [ you say its a known mortgage?]

I would assume the 2018 entry is them updating its now under bos?

 

who was the original mortgage with and whom do you pay?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Why do you think its additional lending... ? I think you need to fill in the blanks to get any effective advice?

 

Who is the Mortgagee ? RBS or other ?

 

What exactly is that snippet you uploaded taken from ...your Deeds ?

 

IS this residential or commercial property?

 

Andy


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Mortgage is with RBS and always has been, 2007 entry is when the mortgage was taken out. The download is the deeds, Residential property and this is a new entry from the last time I looked.

About to start proceedings as Mortgage in ex partners name and I’m worried the 2018 Charge Is additional lending.

Solicitor advised he thinks it may be an administration charge for haLifax coming under RBS but the mortgage is not with the Halifax.

Many thanks for all your assistance

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you mean an administration CHANGE not charge.

 

I think your solicitor is getting confused between Halifax bank of Scotland [HBOS] and RBS [Royal bank of Scotland]???


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes I thought the same. I knew that’s halifax we’re involved with Bank of Scotland but not RBS.

Thats why I wasn’t convinced on whether it was an administration change or additional lending again with RBS ?

Thankyou for your kind advice

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