fraudulent secured loan?

mebumu

Hi there

I recently received a letter from a loan company addressed to my ex-wife (who has not lived at my house for more than 15 years), stating "... I can see that we helped you arrange a loan last year for £60,000" and essentially inviting her to apply for another loan. Can this be serious? We have been divorced for many years and she received a legal settlement figure for her share of the house. In addition, I know her income would in no way allow her to finance such a loan. Have just checked my Experian credit report in full and I am squeaky clean!! Surely there is no way in hell that she (or someone acting as her) could have obtained what I take to be a secured loan against my house? Any advice on this would be welcome.
PS posted a similar thread to this on the secured loan sticky thread but didn't get any response

nomoneytoday

Rip it up, or forward to the ex.

You aren't financially joined anymore so imho not your problem

mebumu

Thanks nomoneytoday
I am probably worrying over nothing!

jonesMUFCforever

Do you have a mortgage / is it in your own name - are the deeds to your property in your own name?

mebumu

Hi jonesMUFCforever

My mortgage, which was in joint names, was paid off about 5 years ago and I have the deeds; however, I must admit that although I paid the financial settlement as stipulated by the divorce court as settlement for her share of the property, I somehow never got round to getting her name off the title deeds; I was quoted figures around £500 from solicitors to do this and at the time, I baulked at doing something I felt was unnecessary, since our divorce was totally amicable and we are still on reasonably friendly terms.

jonesMUFCforever

Then indeed you may have cause for concern!

FraudBuster

I somehow never got round to getting her name off the title deeds;

Do a £3 search at the Land Registry on your jointly owned property.

mebumu

Thanks FraudBuster

Will go for that

jonesMUFCforever

You say that you have the deeds but do you have the Land registry document or pre - registration documents?

mebumu

Thanks jonesMUFCforever
Not sure what these documents are; all I know at present is that when I paid off the mortgage several years ago, the bank sent me an envelope containing lots of documents including the deeds; I am going to look through these just now to check.
Incidentally, I didn't even bother to get the standard security discharged!
Also, I am in Scotland so might it be possible that the a different type of documentation is used?