Did my mortgage lender TRICK me before & when I signed their contract?

TheJP

thewhistleblowersdog said:

HI  TheJP.
Thank you for your empathy.

I hear you about my providing my previous addresses; but I had to.
Doesn't everyone have to do that as part of the 6 year credit check?
Its one of the reasons that DV/DA victims get entrapped in to relying on welfare & hostiles

As for the mortgage company - here you go.
At 11.57 hrs this morning I wrote;

"2024
I've just found a documents that verified that my mortgage broker had to repeatedly reminded the mortgage company of my correct postal address. (I had not received documents that I had been told had been sent to me). Except, it seems that the mortgage company kept ignoring the mortgage broker's warnings by phone and then by FAX."

Unfortunately, as a newbie - I'm limited in correcting typo's. Sorry, due to sleep deprivation, it may have been a change to decipher?

No worries, hopefully life is better now!

Perhaps try to raise a freedom of information request to see if the lender had your new details but didnt update systems. Not to bring up bad blood but do you think your ex if on a joint mortgage could have done something regarding details being as standard to previous address?

TheJP

Also i would maybe set up a mail redirection in your name from your previous address to ensure all mail for you reaches you.

Good luck!

user1977

TheJP said:

thewhistleblowersdog said:

HI  TheJP.
Thank you for your empathy.

I hear you about my providing my previous addresses; but I had to.
Doesn't everyone have to do that as part of the 6 year credit check?
Its one of the reasons that DV/DA victims get entrapped in to relying on welfare & hostiles

As for the mortgage company - here you go.
At 11.57 hrs this morning I wrote;

"2024
I've just found a documents that verified that my mortgage broker had to repeatedly reminded the mortgage company of my correct postal address. (I had not received documents that I had been told had been sent to me). Except, it seems that the mortgage company kept ignoring the mortgage broker's warnings by phone and then by FAX."

Unfortunately, as a newbie - I'm limited in correcting typo's. Sorry, due to sleep deprivation, it may have been a change to decipher?

Perhaps try to raise a freedom of information request to see if the lender had your new details but didnt update systems.

Data subject access request, not FOI (that only applies to public body information suitable for publication, not confidential personal stuff or anything held by private companies).

thewhistleblowersdog

An update to my original post.
My mortgage company's legal representatives submitted misleading evidence to my "Repossession Hearing" but the Judge did not seem too bothered by the contempt of court.

However, the Judge did best acknowledge that many aspects of the "Mortgage Charter" had been disregarded & another hearing was rescheduled. It will be in a month's time.

It was interesting to note what the legal representative of the bank/ mortgage company reacted to when he scribbled down the things that I said in court. He best noted my points when I explained that " a mortgage company only withholds a copy of one's data when it has something to hide".

The Judge ordered to bank/mortgage company for more "transparency".

A month later & the mortgage lenders continue to ignore the Judge's request.
Not only has the mortgage company failed to comply to my requests for transparency/Subject Access Requests, but the Judge's order has bene ignored too.

Besides FRAUD, I advise anyone else who finds themselves under the threat of becoming homeless to look at the FCA Handbook, the Data Protection Act and the Fraud Act.

As part of my defence, not only did I provide an audit of the many ways that the Mortgage Charter and the UK's data laws had been ignored - but I made many references to the points of the FCA Handbook that the debt collectors & the mortgage company had failed to adhere to.

GDB2222

I’m sorry that you were badly treated 18 years ago, but I am unsure how that is affecting your current repossession? Perhaps I have missed something? 

thewhistleblowersdog

Greetings EssexHebridean 

Many thanks for your response last year. My apologies for the delayed answer.

The mortgage company
Yes, I have the paperwork to prove that they had been best notified of the address that I was renting at the time when my mortgage broker was organising the mortgage. Even after my mortgage broker faxed the lender & reminded the mortgage lender of my correct address, Birmingham Midshires continued to send my financial details and the mortgage contract to the wrong address in Manchester. The violent ex who I had fled from - still had the keys to my previous address.

When Birmingham Midshires did finally respond to one of a number of Subject Access Requests, the lender had redacted the evidence of their errors from the copy of my mortgage file that they sent to me. I considered the act of redacting evidence of their errors - as another incident of fraud.

But who is holding the bank/mortgage lender to account? Certainly not the Ombudsman, the FCA or the ICO!


The errors by the energy companies from the date that I purchased the property.
No, I  was not only blocked from retaining the account with the energy company that I had joined prior to the purchase of the property, but, even after I was wrongfully broken into, had my energy supply cut -off and paid off the debts of the former home-owner, I was forced to keep the account number of the previous home-owner.

I tried to take the dishonest energy companies to the county court, but even when I was able to verify that the energy companies had misled the court, I failed to win my claims. During lockdown, both the energy companies took me to court at the far end of the UK from where I am based.

I wish I best knew which banks were behind British Gas and E.on Energy.