Well, as ever, the object of this exercise is to show up the lender as being obstructive and unhelpful if it ever makes it to court.(posted 8471 days ago)The MIG is a debateable point, but the Mortgage Deed is, essentially, your lenders proof that there was a mortgage in the first place. You don't tell them this, of course. Simply write back and point out that the fact that the lender claims not to have the documents is simply not relevant. Make the point that you wish to satisfy yourself of the terms of the MIG and the Mortgage Deed. Also, you could make the point that if the lender doesn't have either of these, how on earth can they know whether they are legally entitled to chase you for the shortfall - the Mortgage Deed is their proof that you agreed to borrow £XXX over a period of time secured on your property.
If it should go to court you are laughing. If the lender doesn't have these documents it's hard to see how they can expect a judgment in their favour. If they DO have the documents, you can simply show the judge that you'd tried to settle out of court but your lender was unco-operative and wouldn't send you the necessary documents...obviously they are wasting court time m'lud.
But, instead of posting here - why don't you go and READ THE SECTION THAT TELLS YOU HOW TO DEAL WITH REPOSSESSION AND DEBT COLLECTION.