Because they have gone missing. I kept them with all the other conveyancing docs in a file which I kept in a drawer in my bedroom. I am extremely careful about filing everything of importance and know exactly where everything is. He has only started the loan and debt management company in the last 2 months and now I'm frightened he is using the value of my home as collateral so he can give out loans to people in dept. He originally said he wouldn't give out loans and would stick to debt management but has now started up loans. I do not believe he can afford to do this on his own. He doesn't own a credit card. Neither has he been able to pay his utility bills so has started using a pre-payment card. Something is wrong. I just need to know if he can use the Deeds (I hope I'm wrong by the way!!) as collateral for himself in some way?
PS If you don't know please just tell me. I need to act asap.
If you bought it 9 years ago, it should be regd at HM Land Registry. Please confirm. Thanks
Yes, it is but I'm still worried about the Deeds being used to obtain a loan via fraudulant means eg identity theft or similar and then if the loan wasn't repaid I'd end up having to pay it?
AlthoughI can understand your concern, I would not worry too much about this. The proofof ownership of the property is no longer the preregistration title deeds anddocument what is the central record at the land Registry.
No,your house is not been stolen. In any event, it is not possible to steal land.
Thedocuments may have been stolen and in that respect, it doesn't matter whetherthey are of no value, it is theft and they should be reported stolen to thepolice.
Hetries to use the documents to obtain finance, it does not come on your toebecause he commits fraud which once again, is a criminal offence. However thedocuments he has worthless in respect of proof of ID or obtaining securedfinance.
Fromthe fact you have given me, I would not be worrying about what he's going to dowith them and I would refer the matter to the police.
Doesthat answer the question? Can I help further? Can I answer any specific points?
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Thanks - that helps a little. I have notified the police but I don't think they can do much because there is no proof and my house hasn't been broken into. It's more the worry that I could end up with someone else's debt. He has had access to all my personal info eg national insurance no, date of birth, address, and probably bank account details too etc etc. He has longterm female family friend who looks like me, and is my age. I just worry if she was to act as guarantor (using my ID) for his (or someone else's) loan if I'd end up being responsible for the repayment? Thank you for your help so far. I'll see if I can rate it now without deleting this. It's good to know the thread stays open.
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