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remortgage advise needed !!

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Comments

  • Matt1982
    Matt1982 Posts: 359 Forumite
    edited 14 January 2010 at 5:24PM
    You can copy and paste all you want. I work in mortgages and their is no self cert mortgages left.

    Go and get me a self cert mortgage offer and then we will see who is right.

    Quote 1 of these 72 schemes?
  • Hers some copy and pastin for ya from the updated fraud act 2006 :T


    1 Fraud
    (1) A person is guilty of fraud if he is in breach of any of the sections listed in
    subsection (2) (which provide for different ways of committing the offence).
    (2) The sections are—
    (a) section 2 (fraud by false representation),
    (b) section 3 (fraud by failing to disclose information), and
    (c) section 4 (fraud by abuse of position).
    (3) A person who is guilty of fraud is liable—
    (a) on summary conviction, to imprisonment for a term not exceeding 12
    months or to a fine not exceeding the statutory maximum (or to both);
    (b) on conviction on indictment, to imprisonment for a term not exceeding
    10 years or to a fine (or to both).
    (4) Subsection (3)(a) applies in relation to Northern Ireland as if the reference to 12
    months were a reference to 6 months.
    2 Fraud by false representation
    (1) A person is in breach of this section if he—
    (a) dishonestly makes a false representation, and
    (b) intends, by making the representation—
    B
    2 Fraud Act 2006 (c. 35)
    (i) to make a gain for himself or another, or
    (ii) to cause loss to another or to expose another to a risk of loss.
    (2) A representation is false if—
    (a) it is untrue or misleading, and
    (b) the person making it knows that it is, or might be, untrue or misleading.
    (3) “Representation” means any representation as to fact or law, including a
    representation as to the state of mind of—
    (a) the person making the representation, or
    (b) any other person.
    (4) A representation may be express or implied.
    (5) For the purposes of this section a representation may be regarded as made if it
    (or anything implying it) is submitted in any form to any system or device
    designed to receive, convey or respond to communications (with or without
    human intervention).
    3 Fraud by failing to disclose information
    A person is in breach of this section if he—
    (a) dishonestly fails to disclose to another person information which he is
    under a legal duty to disclose, and
    (b) intends, by failing to disclose the information—
    (i) to make a gain for himself or another, or
    (ii) to cause loss to another or to expose another to a risk of loss.
    I am NOT a mortgage advisor nor a professional in any debt related matters my replies to posts reflect my personal view only and experience in life time situations that may or may not be of any use to you if you need advice speak to a professional
  • Peelerfart
    Peelerfart Posts: 2,177 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I'll be surprised if we hear from wassock794 again. 'cept on the bankruptcy board.
    Space available for rent
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