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Copy of Mortgage Documents

BEAKER654
BEAKER654 Posts: 16 Forumite
in Mortgages & endowments
Hi Folks,

I was just looking for some advice, I requested a copy of all documentation in relation to my mortgage with Northern Rocksubject access request. They sent me out a print out of the application (completed online by broker) however it has no signatures on it, I queried this and was told that I would have signed a declaration confirming everything within the app was true, I couldnt recall signing anything. NRAM and my broker are now saying they dont have a copy of any signed documentation at all. What documentation should they have? Is this right?
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Comments

  • Angry_Cat
    Angry_Cat Posts: 102 Forumite
    BEAKER654 wrote: »
    Hi Folks,

    I was just looking for some advice, I requested a copy of all documentation in relation to my mortgage with Northern Rocksubject access request. They sent me out a print out of the application (completed online by broker) however it has no signatures on it, I queried this and was told that I would have signed a declaration confirming everything within the app was true, I couldnt recall signing anything. NRAM and my broker are now saying they dont have a copy of any signed documentation at all. What documentation should they have? Is this right?

    Why did you request copies of all the documentation ?

    What is he you are aiming to achieve or challenge ?
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    BEAKER654 wrote: »
    I queried this and was told that I would have signed a declaration confirming everything within the app was true, I couldnt recall signing anything.

    Was your application inaccurate?
  • BEAKER654
    BEAKER654 Posts: 16 Forumite
    I am just looking to see if either or these companies should have a copy of signed documentation in relation to my mortgage. its to do with PPI.
  • dunstonh
    dunstonh Posts: 120,356 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    BEAKER654 wrote: »
    I am just looking to see if either or these companies should have a copy of signed documentation in relation to my mortgage. its to do with PPI.

    Many applications dont require signatures for the online submission side.

    Why are you asking for mortgage documents for PPI? It wont appear on mortgage docs.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • BEAKER654
    BEAKER654 Posts: 16 Forumite
    Thrugelmir wrote: »
    Was your application inaccurate?


    Whilst looking through the paperwork from the broker and Northern Rock I noticed that the information in relation to my income and expenditure is incorrect, the applicatio states that my outgoings are almost £300 less than what they actuall were, not that this reflects on the PPI however seems starnge that the broker put incorrect info on the application...who knows!!
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not sure what relevance the application form has.
  • BEAKER654
    BEAKER654 Posts: 16 Forumite
    I thought it would be mentioned, however if not thanks for the answer dunston. Whilst on the topic, is it normal for both companies to have no signed documents considering the mortgage is still going?
  • BEAKER654
    BEAKER654 Posts: 16 Forumite
    no bother thrugle, how would i find this out re ppi as i seem to be paying £42 per month more than i should be and nram can seem to tell me why.
  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Did you sign a direct debit mandate? Should also have signed a mortgage application declaration.

    As of today the application would not proceed without these. Whether different at the time I don't know
    I am a Mortgage Adviser
    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.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    BEAKER654 wrote: »
    Whilst on the topic, is it normal for both companies to have no signed documents considering the mortgage is still going?

    They have no need to retain all the physical records (paperwork) pertaining to your application.
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