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Response to Opinions on where I stand

from Lee (repossession@bigfoot.com)
Sounds like you are in a good position for two reasons:

1. they are already showing signs of having lost some of their paperwork and it is difficult for them to fight a borrower who disputes the detail of their claim if their files are incomplete. I'm talking about the alleged mortgage subsidy here.

2. They are showing signs of unwillingness to hand over the mortgage deed. When they say you should get it from the Land Registry they are talking about the *title deed*. This is a different thing to the mortgage deed. The mortgage deed is part of the contract that you and the lender set up when you signed for the mortgage. They will not want to hand it over to you for reasons that are dealt with very fully in the Repossession section of this site. You should insist - politely, always politely - that you cannot help them until they have supplied you with the mortgage deed and all other documents that set out the terms and conditions of the mortgage and its attached financial instruments (MIG policy and MIG marketing literature, etc).

They will refuse and continue to threaten you. You should respond to each refusal with a polite request that they supply those documents.

Just keep this up. I'll leave you to read the rest of the site and see why this is so.

By the way, please name the lender and their lawyer in response to this post. Other people may be considering taking out a mortgage with them and should be given the opportunity to make more informed decisions.

Hope this helps,

Lee

(posted 8479 days ago)

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