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Response to Wellcome finance going for repo

from Jack (jrw2901@aol.com)
This is a ? for Guy Skipwith,can you tell me please do you regularly work with the victims of repo.If you do can you tell me with regards to your earlier posting what does a victim do if they have not got a copy of the original cca.

In my case the agreement was more than 17 yrs ago and stupidly I mislaid the agreement.In order to enforce debts do lenders have to provide a copy of the agreement.I was not advised by the C.A.B. at the time of repo to have agreement checked,infact they said ther was no point fighting it.It left a massive shortfall in terms of the actual mortgage. If the secured loan was now revealed to have been uneforcable where would that put me,I presume that I could not be persued for the shortfall relating to the secured loan,but would I have a case against them.

Interestingly I remember a conversation with amember of their sraff who said that it should never have been repoed and the person responsible had left their job just before the were sacked.At the time I was so shell shocked that I did not ask why.

Did this sort of thing happen to others too?I am so sorry to hear that people are still under threat of losing their homes for relatively small sums today.Please be strong Jane and fight them,I hope your loan is unenforceable.Regards from one who has been there.

(posted 7358 days ago)

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