Don't know about that 25k, if you search for min mortgage amount, almost all say 10,000, and i saw 1 at 15,000 & it was nice to see the council of mortgage lenders website was about as useful as a paper bucket

Thanx Maybelline but still says.... maybelline has exceeded their stored private messages quota and can not accept further messages until they clear some space. What I find amazing is, I have spent most of the day on the telephone to the FSA FOS FLA tried to get the OFT but you get redirected to Consumer Direct (bless them, think i ended up informing her), it seems that the OFT regulate the Consumer Credit Act, but you cannot speak to them to get advice, CD clearly stated this was out of their remit, I only want advise on what actions these bodies (FSA FOS FLA OFT TS) will take against WF due to non compliance, and nobody is willing to say..... No wonder the average jo bloggs just gets stuffed by these fleecing finance companies. Sorry... rant over

Thanx Jamie, All they have offered to do so far is sign me up for a new credit agreement for 8K, I did tell them where they could stick that. Thanx for the pm Maybelline, I did reply, but your mailbox is full....

I have noticed a search on credit file from HFO Services - I had to contact their parent company Roxburgh to get it removed, they have agreed to send an email and written conformation to equifax that they shouldn't have run a search on me, they did advise that if I owed money that were perfectly entitled to run a search to ascertain my new address if any, and also, if you have financial ties with a partner, whether ex or not, they can search on you as long as the association is within the last 6 years. The weird thing is, they have no details about me or my ex partner on their system, that is the reason for them agreeing it is wrong, I have had their solicitors confirm the action they are taking to remove the search.

Hi Maybellene, I am working from home, so am around if you want to pm me. What do the information commissioners do?

Hey Maybelline, The guy at FOS was adamant that a judge would see that I owe the money, and the lack of a CCA would not necessarily help me, it doesn't seem to be a clear cut rule.

The plot thickens???? I have just received a call from WF Branch mamanger in N'ampton and he had admitted that after 4 days of searching they can not find my original CCA, he advised me that they are going to send me my legal agreement as a copy with the details they have on the system. So they cannot fulfill my CCA request, does this help me in any way? OK - WF will refinance my 8K - theats gracious of them isn't it - I did say to WF - is that so you can have another 20g hold over me.... Have spoke to the FOS - they advised that not having cca with my signature is not a great bargaining tool, he advised me to complain, I have drafted a complaint letter, but am not very good at it, could anyone comment and possible advise on anything I have missed. ------------------------------------------------------------------------------------------------------------------------- Dear Sirs, I wish to raise a formal complaint regarding the above account number. I have many issues with the above account, and afer taking advice from the FOS I wish to bring these to your attention. 1.The above agreement is for secured loan, the loan was never secured. 2.Insurances were added to the loan as this was ‘the only way we can finance you’, this I believe is not right, and as I receive 6 months full pay and 6 months ½ pay, why would I need the insurance 3.The loan was taken out because we needed to kick start some building work, we informed the person (Claire) selling us this loan of that, I was informed that early settlement wouldn’t be a problem and the overall cost’s would be dramatically reduced, this is not the case. 4.I have requested a copy of my original CCA and have been verbally advised that this cannot be found. 5.Your entries on my credit file are incorrect, they state I have a mortgage at an address that was rented from a Housing Association. As you can clearly see, there have been some issues with this account, I will also mention the calls received from your staff, even after requesting that they did not contact me by phone, on one occasion the Branch Manager from Milton Keynes rang me 7 times in 10 minutes, as I had advised him I did not wish to discuss the situation over the telephone, even after being advised I was going away, you still contacted me by telephone whilst on Holiday in another country. --------------------------------------------------------------------------------------------- Thats as far as i got before my mind went blank - any help would be really appreciated.

I doubt if the mortgage lender would accept that, applied for 100% as I need my spare dosh to start an extension on the property. And sorry to maybelline for the hijack

I am 3 month's in arrears at present. I could bring it up to date. I remember reading that you tried to 'negotiate' a settlement, but to no avail, but i guess there is no harm in trying. the last telephone conversation was from the Branch Manager of their N'ampton Branch (LBM) ? whater ever that is? saying he would ring me when he had sight of the Credit Agreement - this was on Monday. Is it a different story if they can't find the CCA? I have read a little on non compliance, but it is not a quick route, and certainly wouldn't help with the mortgage situation - they are waiting for confirmation on non security of this loan. And BTW thanx for your advice - and yes God Bless the NHS!

I understand that, will WF, I have some paperwork from them, only a settlement statement, I have requested the CCA, I guess now it's time to try and negotiate, I was obviously mis-sold the insurance, I get 6 months full pay and 6 months 1/2 pay, so I wouldn't have needed that, but my partner is telling me that we had to take it out or they wouldn't give us the loan, I can't remember myself. And this was for a £5000 loan

Sorry, just caught this reply, I moved into rented accommodation and am still in rented at present, so no transfer, but the credit file entry showing the secured loan from wf is at an address that was rented (from a housing ass) after I sold the property the loan was secured against

neither, I sold the property in 2004

I have found out that they have not set a 2nd charge against me, especially as the property was sold 3 years ago, but they have registered it as a mortgage on my Credit File, this is now a cause for concern as my mortgage company will not offer me a mortgage until I prove this is not a secured loan. Any ideas on how to do that? Can they enforce the loan, even tho it is not secured against anything? Is it legal? Any help appreciated. Thanx

Please tell...... I too took out a secured loan with WF for £5000 & ins £7200 in ... 2002 I have paid £7564 to date and they want a further £8100 to settle, I sold the property the secured loan was supposed to be against in 2004, my solicitor advised me I didn't have to pay the loan off as there was no 2nd charge on the property, I have paid most of time and made up some back payments until February this year, I advised them that I would not be making any further payments until a reasonable settle figure could be obtained, I have requested my cca (delivered to them today) but the problem is, I am right in the middle of a mortgage application and they want evidence that the loan is not secured - it's not enough that I don't live there any more or I don't own a property, they want proof that this is not a mortgage, because it appears on my credit file as a mortgage. So any help appreciated please

Hi All, Firstly, i'm new to register, but I have been reading the site for a good few months now. I looked at the info, called the bank (Natwest) who arranged to send me my statements, free of charge as well, for the last 6 years, I did have the last 2 years, so they sent me the other 4, they arrived within 4/ 5 days, I added them up and totaled £455 used the interest calculator and put the total at £620, (pushing my luck on the interest, but at least it gave them a chance to knock me down... I waited about 4 weeks, and when I called i was given 'another number' to call, they advised they were behind, but I should expect to hear something by the beginning of July, last week a letter dropped through the door, offering me my £455 back, but in no way an admission of liability, a 'goodwill' gesture, they say in their letter, signed the form and within 3 days, the money was deposited in my account. I would like to say a big thank you for all the letters (templates) and post's from all other's about their successful and some not so successful battles. Now... just gotta sort out Welcome Finance:-x and I'll bet set:)