secured loan deed

backtowall

Hi to everyone, we need your help please. We are in dispute with a major high street bank its been going on for 22 years.They say we took out a secured loan for £10,000 pounds in 1991 secured on our house we did NOT,so i made a complaint to the ombudsman in july 2013 we just had enough the bank would not talk about the past.Then our building society sent me a copy of a deed in august 2013.This is were i need your HELP please.....The front page of the deed dose not say what it is for, only the date and our names and address,then three leagle pages.....The next page has got our signatures on it with the bank managers signature the clerks signature and two witnesses signatures.....The last page should have the Attorneys name and signature, and be witnessed it dose not.They must have got our signatures from loans we took out befor 1991.There is no Attorneys signature because we were not there.Dose anyone have any experience with these deeds...Many thanks A.

davidmcn

What do you mean by "attorney" in this context? A solicitor? Why would they have to sign the deed?

Tixy

What was the result of your complaint to the ombudsman?

Considering how long the dispute has been going on then I would suggest seeking legal advise from a solicitor taking a long a copy of the paperwork you have. I would think it will be very difficult for anyone on a forum to help you, especially without seeing the paperwork you have been sent.

BillJones

Are you saying that you did not borrow the money (i.e. it was never paid out by the bank), or that it was, but you believe that there is no legal agreement because something was not signed correctly?

Bantex_2

I wouldn't waste your time. Looking at OPs previous posts he just deletes everything.

Fruit_and_Nut_Case

Bantex wrote: »

I wouldn't waste your time. Looking at OPs previous posts he just deletes everything.

It's worth saving the question for posterity, then.

backtowall wrote: »

Hi to everyone, we need your help please. We are in dispute with a major high street bank its been going on for 22 years.They say we took out a secured loan for £10,000 pounds in 1991 secured on our house we did NOT,so i made a complaint to the ombudsman in july 2013 we just had enough the bank would not talk about the past.Then our building society sent me a copy of a deed in august 2013.This is were i need your HELP please.....The front page of the deed dose not say what it is for, only the date and our names and address,then three leagle pages.....The next page has got our signatures on it with the bank managers signature the clerks signature and two witnesses signatures.....The last page should have the Attorneys name and signature, and be witnessed it dose not.They must have got our signatures from loans we took out befor 1991.There is no Attorneys signature because we were not there.Dose anyone have any experience with these deeds...Many thanks A.

Crystallady

There is no requirement for the legal charge (deed) to be signed or witnessed by a solicitor/attorney. You say that your signatures along with the bank managers and clerks are there and that those signatures are witnessed by two people,(do you know the witnesses?) but that you didn't sign - are you suggesting that the bank forged your signatures?

DCFC79

Im amazed its still going on after 22 years.

backtowall

Thank you for your replies. There is a lot more to this but i cant say to much as We have had a letter from the bank that says (you cannot talk or discuss this matter with anyone only a solicitor.) so we withdrew our complaint to the ombudsman.As for the deed the first time we new anything about it or saw it was in august 2013,its a total fake but how can we prove it. Many thanks.

Gaz83

backtowall wrote: »

Thank you for your replies. There is a lot more to this but i cant say to much as We have had a letter from the bank that says (you cannot talk or discuss this matter with anyone only a solicitor.) so we withdrew our complaint to the ombudsman.As for the deed the first time we new anything about it or saw it was in august 2013,its a total fake but how can we prove it. Many thanks.

It was definitely a stellar idea to post a vague thread on the internet about it then, likes.

fwor

backtowall wrote: »

We have had a letter from the bank that says (you cannot talk or discuss this matter with anyone only a solicitor.)

I wouldn't worry about what you say here. As long as you don't identify the bank or yourself, there's pretty much nothing they can do about an anonymous person posting hypothetically on an internet forum.

As for the problem itself - why were you messing about with the Ombudsman? If things are as you describe, this is not some minor rule infraction - it is out-and-out fraud. In that position I would advise the bank that if they do not resolve it within 2 weeks I would be reporting it to the police.

Not that I believe that things are as you describe, to be quite honest. I suspect that at best you simply misunderstood or are failing to recall correctly something that you signed in 1991.

I say that because, although internal bank fraud is not unknown, it seems extremely unlikely to me that a group of bank employees would have done something so risky for such a small amount. Why risky for them? Because they would have been discovered the moment you tried to sell your property - and although it actually took 22 years, that ~could~ have happened days after the fraud was first committed.