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Picture Financial Services
30cuplanter6
Posts: 2
Newbie
in Loans
I took out a loan secured against my house with Picture Financial Services which went into liquidation many years ago. I paid off the loan in full but don't have the paperwork stating this.
I am trying to move my mortgage into my ex husband name (with his full agreement) but they won't let me because they have no proof of pay off.
Any suggestions of what I can do?
I am trying to move my mortgage into my ex husband name (with his full agreement) but they won't let me because they have no proof of pay off.
Any suggestions of what I can do?
0
Comments
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Hi,How long ago did all this take place ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Probably about 12 years ago.0
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Right, and who won`t let you move your mortgage ?Who is asking for proof of payment ?Picture loans still have a contact number up and working, have you rung and asked them to provide you with proof of payment ?They are currently been administered by Target servicing LTD -
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Have you been told that there's still a second charge on your property? Obtain the title deeds from the land registry to see who has charges on your home.
If picture still do then you need to send them a formal written complaint stating they must remove this at once as the finance was settled 12 years ago.
You're entitled to escalate this to the ICO after 28 days and FOS after 56 days if Picture hasn't resolved your request within that timeframe.0
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