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Black horse transferred our secured loan to Skye loans on1/6/2015.

we have a mortgage with Lloyds bank. Which is all to date,

 

We have been paying £230 a month to skyeloans, as the original loan from black horse was secured against my house

is the skye loans one also a secured loan and will my home be at risk if i dont pay skye loans

 

,as this company is not showing on my credit file

is it a legal company.

 

I have put a complaint in to the financial ombudsman also about this company.

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Complained to financial ombudsman about Skye loans because apparently they are not regulated by the FCA 

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was also Capita Mortgages Services Limited i think look at the bottom of their letter should say.

 

you need to go look at your deed on the .gov.uk land registry site

£3 I think.

 

I would suspect like all the others in the threads I linked to above

you've been had blind.

 

dx

 

 

 


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

 

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Do I  pay Skye loans the £230 a month that they say we have to pay  each month  or I dont pay them can they take our house off us.

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go get your CURRENT  deeds as advised above and check if they have a charge against your proprty

it was BH

if its still BH

they'll have a very hard time.

 

but this is not the only step you need to take.

 

baby steps please

get your ducks inline.

 

have you read those threads I pointed too?

 

 


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

 

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Yes I will thankyou 

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I have today written to Skye loans and yes it does say on the bottom of a letter from Skye loans capita mortgage,

 

I have told them in the letter that I have contacted the financial Ombudsman service about them and also said I am withholding any payments due to them until I have heard from the ombudsman.

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I suggested you get your ducks in line 1st

else you are simply entering into pointless letter tennis

you should not be withholding payments no if they are legally entitled to them.

 

so have you done the deeds search yet?

 

and what have you gained by reading those threads about what you need to do as well?
 


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

 

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I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell

 

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I have looked on the land registry and Skye loans is listed as a charge on our property.

Can this charge be removed if Skye loans is not regulated by the FCA.

 

What do we do,

keep on paying Skye loans or postpone payments until we have heard from Financial Ombudsman and do we contact Skye loans and let them know we have contacted the financial Ombudsman service about them.

 

Are Skye loans a debt recovery agent and could we lose our house to them.

We certainly don't want to lose our house but why should we pay any money to a company that isn't regulated by the FCA is anyone else in this predicament as well.

 

I haven't posted a letter to Skye loans telling we know their company is not regulated by the FCA.

 

I will hold on to for a bit.

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skye loans might not be regulated by the FCA, but I bet their parent company are which will cover them.

 

sadly even if your thoughts were true, that is no reason to withhold payments nor report this to the FOS.

 

the loan is secured, therefore as per the original T&C's your home is at risk yes.

 

I would be sending an sar

 

is there any other reason why you feel you should not be paying them

what prompted your investigation about them?

 

 

 

 

 


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

 

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