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  • FIRST POST
    • Janejh
    • By Janejh 1st May 17, 9:40 PM
    • 20Posts
    • 24Thanks
    Janejh
    Santander Repossession
    • #1
    • 1st May 17, 9:40 PM
    Santander Repossession 1st May 17 at 9:40 PM
    I have had a mortgage with Santander on the same property since 2006. In 2015 I got into arrears by about £1,000. Santander got a repossession order in approximately June 2015. This was suspended because I repaid my arrears in full. Over the last 18 months or so I have accrued arrears again due to several personal issues - breakdown of my long term relationship, health issues leading to surgery and the subject of harassment and intimidation by a member of staff within the DWP. Due to all this I became very low and unable to cope with spiralling finance issues. The main being mortgage arrears and not looking at all my post. Santander applied to the court and obtain a repossession order. I came home last Wednesday to find my locks change and unable to get any personal items. I hadn't received a notice of eviction. Fortunately my mum lives nearby so I had somewhere for the night. I managed to gain access to my house the next day to get some clothes and a few other possessions. Whilst at my house I thought to check a mail box I have attached to the exterior wall of my house. I looked in it and found a hand delivered letter from the court which turned out to be the notice of eviction.
    I thought this notice had to be handed to me personally or at the very least put through the letterbox in the door. FYI the letterbox in the door is fully functional.
    The agents want everything moved out the house by Friday this week.
    I want to keep my house and I am able to pay the arrears of £1.800 in full and prove my ability to sustain mortgage payments of £75 per month in the future.
    Basically have I any chance of turning this around at all and how do I go about this. Do I need to go straight to the court first or Santander? If it's the court how do word the form N244 to achieve a favourable outcome?
    Life had just started to become manageable and move forward positively and this happens. I would be very grateful for any advice.
Page 2
    • Janejh
    • By Janejh 14th Jun 17, 9:58 AM
    • 20 Posts
    • 24 Thanks
    Janejh
    Thank you all for your congratulations I couldn't have done it without help from all of you.
    Minimike2 - believe me I have learnt my lesson and I will keep s tight reign in my finances.
    • Janejh
    • By Janejh 14th Jun 17, 10:08 AM
    • 20 Posts
    • 24 Thanks
    Janejh
    I was wondering the same thing but didn't know if I'd be pushing my luck. Don't not want to jeopardise my success of getting my home back.
    The judge she didn't actually base his decision on Santander being unlawful. His ruling was if I'd attended the Repossession hearing in February would I have been successful in having the Repossession order set aside. He agreed that I would've been successful and that was his reason to set it aside yesterday.

    The costs and charges that Santander have added to my account are huge. I did wonder about trying to claim back at the very lesser charges incurred from February (original Repossession hearing) as the eviction charges com to nearly £1,000.

    Right now though I just want to go home.
    • Blackbeard of Perranporth
    • By Blackbeard of Perranporth 18th Jun 17, 2:21 PM
    • 4,580 Posts
    • 27,617 Thanks
    Blackbeard of Perranporth
    Something does not add up. Is £75 a month an arrangement with the mortgage provider. I cannot find any loan mortgage that is £75 for £92,000.

    I suggest OP contact their lender and come to an arrangement while they are suffering dificult situations. I did, I am currently £6,000 in arrears, though in agreement and paying off! I was off work for ten months in 2016 through heart conditions. It happens to us all, yet at no time did I get even close to being kicked out! I also kept my car that was on finance, even though after ten months I was six weeks over due on the schedule.
    I soled my last sock
    For a whiff of your cheap perfume filled with hope of tears gone by
    • minimike2
    • By minimike2 18th Jun 17, 2:43 PM
    • 1,908 Posts
    • 1,404 Thanks
    minimike2
    If this is interest only on a historic lifetime tracker then it is totally possible.
    I am a mortgage industry professional. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice
    • NelliePie
    • By NelliePie 19th Jun 17, 1:45 PM
    • 89 Posts
    • 297 Thanks
    NelliePie
    I've just come across this thread and as a new FTB it's a scary one! Especially as we never know what the future will hold an many things are out of our control. You have my full sympathy and I'm so glad you've managed to get your home back. As the other's have said, make sure you keep on top op your payments from now on - and you can always turn to the forums for advice, support and encouragement if you need to! Good Luck!
    When life gives you lemons, find the tequila!
    MFW: FTB June 2017 £144k. Target 128k June 2019
    • Janejh
    • By Janejh 22nd Jun 17, 6:36 AM
    • 20 Posts
    • 24 Thanks
    Janejh
    Mortgage is interest only and a Tracker mortgage which tracks the base rate by 0.49% (yes, just under ½ percent). So the Bank of England base rate is currently 0.0025 ( ¼ %). So that makes my mortgage interest 0.25% + 0.49% = 0.74% (just under 3/4%) now equates to £56/month.
    As far as I know there are no mortgage deals that are anywhere near mine. I was just very lucky when I remortgaged in 2008 to get such a great interest rate which was not only very low but for the lifetime of the mortgage which doesn't end for another 15 years.
    And yes, I know, how stupid I was to jeopardise that but as you will see from my earlier posts I have been through quite a traumatic 2 years. I'm back on my feet now and working again and so is my partner. Starting next month we will be overpaying as much as we can afford to get as much of paid off as possible.
    • Matador777
    • By Matador777 9th Sep 17, 3:37 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    Does anybody know how can I upload slides and links as new account. I have evidence that Santander have sold mortgages off, mortgage sale agreement, signatures, transaction details, mortgage certificates in 3rd party names, Nobody owes a single penny to Santander.!
    • Matador777
    • By Matador777 9th Sep 17, 3:40 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    send me your email. I will give you so much evidence Bostock will shake in his boots
    • robatwork
    • By robatwork 9th Sep 17, 5:49 PM
    • 3,948 Posts
    • 4,288 Thanks
    robatwork
    Does anybody know how can I upload slides and links as new account. I have evidence that Santander have sold mortgages off, mortgage sale agreement, signatures, transaction details, mortgage certificates in 3rd party names, Nobody owes a single penny to Santander.!
    Originally posted by Matador777
    Upload them somewhere like imgur then tell us the last part of the URL. We will post the link. Eg if the pic is http://imgur.com/gallery/hCAJhca post the last bit.

    And for sentient beings - lots of people owe money to Santander.
    As it happens they owe me money as I am lending some of mine to them.
    • Farmerbob
    • By Farmerbob 10th Sep 17, 12:17 PM
    • 147 Posts
    • 85 Thanks
    Farmerbob
    Does anybody know how can I upload slides and links as new account. I have evidence that Santander have sold mortgages off, mortgage sale agreement, signatures, transaction details, mortgage certificates in 3rd party names, Nobody owes a single penny to Santander.!
    Originally posted by Matador777
    Peddle your nonsense elsewhere, I've read your other posts there's no fraud or future PPI like scandals. You've taken a few outlandish and misleading points used what little you understand of how banking and securitisation works to try get out of your obligations, and worse of all try to lead others in worrying situations there as well. I've worked in collections for a mortgage company previously and know scams like yours and inevitably they do not win and got their houses repossessed.
    • minimike2
    • By minimike2 10th Sep 17, 7:01 PM
    • 1,908 Posts
    • 1,404 Thanks
    minimike2
    Does anybody know how can I upload slides and links as new account. I have evidence that Santander have sold mortgages off, mortgage sale agreement, signatures, transaction details, mortgage certificates in 3rd party names, Nobody owes a single penny to Santander.!
    Originally posted by Matador777
    I don't, but I know where you can buy a good tin foil hat if that helps?
    I am a mortgage industry professional. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice
    • Matador777
    • By Matador777 10th Sep 17, 9:40 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    Peddle your nonsense elsewhere, I've read your other posts there's no fraud or future PPI like scandals. You've taken a few outlandish and misleading points used what little you understand of how banking and securitisation works to try get out of your obligations, and worse of all try to lead others in worrying situations there as well. I've worked in collections for a mortgage company previously and know scams like yours and inevitably they do not win and got their houses repossessed.
    Originally posted by Farmerbob

    Your talking absolute shiiite! just go and google "legal quest" and easeyourmortgage. You probably think the everyone is honest and open. The Politicians Police Bank Libor rates
    You talk crap.why did RBS get fined billions for securitisation.
    80% mortgages are securitised. If you think Im talking !!!!. Ring up your mortgage lender and ask for a copy of the original mortgage deeds, See them waffle som BS,
    The courts cant repossess your house if the bank cant produce the original deeds, The banks sell them to SPV and they hold your deeds.
    • Matador777
    • By Matador777 10th Sep 17, 9:43 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    Upload them somewhere like imgur then tell us the last part of the URL. We will post the link. Eg if the pic is http://imgur.com/gallery/hCAJhca post the last bit.

    And for sentient beings - lots of people owe money to Santander.
    As it happens they owe me money as I am lending some of mine to them.
    Originally posted by robatwork
    Once your mortgage has been securitised the bank been paid in full. You owe nothing.
    • Matador777
    • By Matador777 10th Sep 17, 9:47 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    Peddle your nonsense elsewhere, I've read your other posts there's no fraud or future PPI like scandals. You've taken a few outlandish and misleading points used what little you understand of how banking and securitisation works to try get out of your obligations, and worse of all try to lead others in worrying situations there as well. I've worked in collections for a mortgage company previously and know scams like yours and inevitably they do not win and got their houses repossessed.
    Originally posted by Farmerbob
    If you work in mortgages and at a higher level you wll understand, Collections DO NOT KNOW JACK. Google NI repossession case see WHY Santander cant repossess! STOP your non sense. Why am I scamming people Im NOT asking for any money im telling you guys the facts. for free and its all true!
    • davidmcn
    • By davidmcn 10th Sep 17, 11:23 PM
    • 5,937 Posts
    • 5,691 Thanks
    davidmcn
    just go and google "legal quest" and easeyourmortgage.
    Originally posted by Matador777
    Done that. Can't see anything more informative than the previous thread here about Legal Quest.

    Ring up your mortgage lender and ask for a copy of the original mortgage deeds
    I've got my own copy. If I didn't, my solicitor has a copy. And if nobody else has, the Land Register has a copy.

    Google NI repossession case see WHY Santander cant repossess!
    What, this case? Which bits in the judgement help your argument? It even begins with "the court here is dealing with a situation which happily is unusual", and then goes on to point out that "It is clear law, as has been recently reaffirmed by the Court of Appeal in England in Paragon Finance v Pender and Another [2005] 1 W. L. R. 3412 that a legal owner of a charge can part with the equitable interest in it without losing their right to enforce the charge" (my emphasis).
    • Matador777
    • By Matador777 10th Sep 17, 11:59 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    I've got my own copy. If I didn't, my solicitor has a copy. And if nobody else has, the Land Register has a copy.
    Check and confirm you or your solicitor has the ORIGINAL with wet signature. Why are you guys arguing without seeing the evidence I have. Guys after securitisation the lender has the sold off the mortgages to a 3rd party. Believe what you like.
    Read this comment from youtube youtube.com/watch?v=L-tFg6DKaZk
    Reply•
    Hide replies
    frank1847
    frank18473 weeks ago
    Hi Paul I have gone down this road with my lender Santader , it has been a long road . I have my mortgage terms and conditions showing sections of certain Acts shall apply . Looking into one particular Act the one section decreed that the lender has a Power of Attorney over the mortgage . This section of the Act is being discontinued as we speak .
    I owe £38 000 on my mortgage I have paid £62 000 I have refused to pay any more money for the last two years and have told them I will see them in court as I believe they used the power of Attorney to sign my house over to a third party and that they have been paid the value of my house at the time of the sale . I believe they are acting as agents between myself and the new holder of my deeds whom I have no knowledge of .
    The main reason the lender needs a power of Attorney is when they sell a property they dont have to pay stamp duty .




    Show less



    What, this case? Which bits in the judgement help your argument? It even begins with "the court here is dealing with a situation which happily is unusual", and then goes on to point out that "It is clear law, as has been recently reaffirmed by the Court of Appeal in England in Paragon Finance v Pender and Another [2005] 1 W. L. R. 3412 that a legal owner of a charge can part with the equitable interest in it without losing their right to enforce the charge" (my emphasis).[/QUOTE]
    • Matador777
    • By Matador777 11th Sep 17, 1:13 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    I've got my own copy. If I didn't, my solicitor has a copy. And if nobody else has, the Land Register has a copy.

    WATCH THIS TO THE END SANTANDER LIED IN COURT
    ADD THIS BIT TO YOUTUBE ADDRESS ?v=JR_HXnAQr5QC
    WHY HASN'T THE BANK REPOSSESSED HIS HOUSE YET. ONCE SOLD THE BANKS BEEN PAID!

    Which bits in the judgement help your argument? It even begins with "the court here is dealing with a situation which happily is unusual", and then goes on to point out that "It is clear law, as has been recently reaffirmed by the Court of Appeal in England in Paragon Finance v Pender and Another [2005] 1 W. L. R. 3412 that a legal owner of a charge can part with the equitable interest in it without losing their right to enforce the charge" (my emphasis).[/QUOTE]
    • Farmerbob
    • By Farmerbob 11th Sep 17, 3:47 PM
    • 147 Posts
    • 85 Thanks
    Farmerbob
    Your talking absolute shiiite! just go and google "legal quest" and easeyourmortgage. You probably think the everyone is honest and open. The Politicians Police Bank Libor rates
    You talk crap.why did RBS get fined billions for securitisation.
    80% mortgages are securitised. If you think Im talking !!!!. Ring up your mortgage lender and ask for a copy of the original mortgage deeds, See them waffle som BS,
    The courts cant repossess your house if the bank cant produce the original deeds, The banks sell them to SPV and they hold your deeds.
    Originally posted by Matador777
    No no you've convinced me your an expert now you carry on, once you WIN your case get back to us there's no point encouraging people to take the same course of action until you've won your case.
    • Matador777
    • By Matador777 12th Sep 17, 8:34 PM
    • 24 Posts
    • 0 Thanks
    Matador777
    No no you've convinced me your an expert now you carry on, once you WIN your case get back to us there's no point encouraging people to take the same course of action until you've won your case.
    Originally posted by Farmerbob
    Fair point.
    I'm NOT claiming to be an expert. I don't wish to argue. What course of action have I asked people to take.
    All I have said is Ring Santander and ask them if they have the ORIGINAL MORTGAGE DEEDS with wet signatures and can they send you the Power Of Attorney.
    You will be able to tell from their response something funny is going on.
    Tell them you wish to sell your house and can the bank guarantee the new buyer will get the original deeds not copies or attested affidavits>. Then come back on the forum. Can I say any fairer than that?
    • davidmcn
    • By davidmcn 12th Sep 17, 9:30 PM
    • 5,937 Posts
    • 5,691 Thanks
    davidmcn
    All I have said is Ring Santander and ask them if they have the ORIGINAL MORTGAGE DEEDS with wet signatures and can they send you the Power Of Attorney.
    You will be able to tell from their response something funny is going on.
    Originally posted by Matador777
    Well, they'll think you're a bit funny...what's the relevance of the "wet signatures"? Which Power of Attorney are you talking about? The one which forms part of their mortgage conditions?

    Tell them you wish to sell your house and can the bank guarantee the new buyer will get the original deeds not copies or attested affidavits
    The originals of what deeds? Why would the buyer want any "deeds" which your bank holds? Titles are registered these days.
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