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confused about 2 signed agreements relating to one loan
Can anyone help with these questions so that I may take GE to court and get the judge to set a time order for me to repay what is owed without their ridiculous extras added to my account.
The first question I have is that both me and my partner are named on the loan secured against the property where I am the only one named on the original mortgage. My partner was told by the broker that she had to sign also as she was a tenant. Is this right?
I have 2 copies of an agreement, the original which I received an advanced copy of on 20 Jan 07 abd is annotated as such on the agreement and is then dated by myself and partner on 27 Jan 07 in the prescence of the broker.
I had no recollection of how there came to be a second copy of the agreeement until the reason was finally disclosed at a court hearing. It was stated that the reason there was a second agreement was due to the fact that the original had been signed before day 8 so new copies were sent out to use in the post to sign.
The second copy is dated as 20 Feb 07 and annotated as having received an advance copy of this on 9 Feb 07.
I have no recollection of signing a second agreement so I trawled all of my paperwork that I had from the broker and lender and found the covering letter that must have accompanied the documents they sent out in the post for us to sign however this is dated 17th Feb 07 so I could not have received an advance copy on the 7th as stated on the agreement.
Both of these agreements have different APRs stated, not by much, but it how I noticed the discrepancy originally.
Can anyone tell me what I can use to take this back to court. I have a capital balance on my loan outstanding of just £988.18 yet GE state that I owe a further £3586.54 in arrears and £4053.39 in attitional fees and interest. Both of these last 2 figures amount to more than I actually borrowed.
The additional fess mainly relate to legal fees as I have been trying to battle GE on various issues. I just want to pay what I borrowed, with additional interest where no payment was made but without all the other ridiculous charges on my account.
Any help is appreciated.
The first question I have is that both me and my partner are named on the loan secured against the property where I am the only one named on the original mortgage. My partner was told by the broker that she had to sign also as she was a tenant. Is this right?
I have 2 copies of an agreement, the original which I received an advanced copy of on 20 Jan 07 abd is annotated as such on the agreement and is then dated by myself and partner on 27 Jan 07 in the prescence of the broker.
I had no recollection of how there came to be a second copy of the agreeement until the reason was finally disclosed at a court hearing. It was stated that the reason there was a second agreement was due to the fact that the original had been signed before day 8 so new copies were sent out to use in the post to sign.
The second copy is dated as 20 Feb 07 and annotated as having received an advance copy of this on 9 Feb 07.
I have no recollection of signing a second agreement so I trawled all of my paperwork that I had from the broker and lender and found the covering letter that must have accompanied the documents they sent out in the post for us to sign however this is dated 17th Feb 07 so I could not have received an advance copy on the 7th as stated on the agreement.
Both of these agreements have different APRs stated, not by much, but it how I noticed the discrepancy originally.
Can anyone tell me what I can use to take this back to court. I have a capital balance on my loan outstanding of just £988.18 yet GE state that I owe a further £3586.54 in arrears and £4053.39 in attitional fees and interest. Both of these last 2 figures amount to more than I actually borrowed.
The additional fess mainly relate to legal fees as I have been trying to battle GE on various issues. I just want to pay what I borrowed, with additional interest where no payment was made but without all the other ridiculous charges on my account.
Any help is appreciated.
