Voluntary Repo

curly04

Oh yeah!
as everyone else said DONT SIGN THE FORMS / LETTER that you are going to send the NR

MicheH

Northern Rock were adament they must have a signature on the voluntary repossesion letter (once they had given up on the Deed of Acknowledgement being signed) They said they couldn't do it without a signature that resembled what was already on their mortgage paperwork as any body could effectively get any house repossessed from under them. You can't do anything without a signature and something as huge as giving up your home seemed like a fair request.

So I signed my letter but I have copies of emails to OR, to solicitor, all my past posts on here as evidence that I did not sign accepting liability, that I understood what was happening and that no way I agreed with what they were requesting. LET THEM TRY HAHA

fermi

If your letter does not acknowledge liability for any shortfall, then there is no problem signing it.

out_of_cash

certain creditors have lifted sigs from other docs i had 1st hand experience of this in a court case.:mad:


B4ndit74
they will just try it on hoping they get lucky. "Dont let them";)

I personally wouldnt sign a thing let them waste their own legal bill.:T

fermi

If they already have a copy of your signature then not a problem. Most original creditors will, especially for something like a mortgage.

I very much doubt that original creditor is going to go in for signature fraud on something like a mortgage shortfall. They tend to go for much more subtle things, such as fibbing to you over the phone and getting you to sign their own forms.

However, if you are worried then...

- Keep a copy of what you send, and get it witnessed that it is a complete copy of the original.

and/or

- Make a subtle change to the signature that distinguishes from your normal one. Not enough to be hugely noticeable at a glance, but enough that you can identify and prove any sig that has been lifted.

fermi

out_of_cash wrote: »

I personally wouldnt sign a thing let them waste their own legal bill.:T

In many cases, the better option. :cool:

beardc02

Hi Andy, can I ask if you did all the BR forms yourself or did you have help through a company? I am looking at going bankrupt and cancelled all our DD on debt yesterday. I now need to save up court costs and money to rent somewhere before I can formerly go through with it. Can you help me with a quick step by step of what you;ve had to do as getting confused with conflicting info?! Also how long have I got before cc company's etc start hassling and should I file for bankruptcy now before I have enough money put by for it or wait?
Cheers in advance. Sorry I can't help with your question!

fermi

beardc02 wrote: »

Hi Andy, can I ask if you did all the BR forms yourself or did you have help through a company? I am looking at going bankrupt and cancelled all our DD on debt yesterday. I now need to save up court costs and money to rent somewhere before I can formerly go through with it. Can you help me with a quick step by step of what you;ve had to do as getting confused with conflicting info?! Also how long have I got before cc company's etc start hassling and should I file for bankruptcy now before I have enough money put by for it or wait?
Cheers in advance. Sorry I can't help with your question!

Hi beardc02

You would be better off starting you own thread. Makes it easier for people to help with your individual case.

Click the -> <- button.