This begs the question, how do lenders hope to rely on the argument that shortfall 'debts' can legally be pursued for up to 12 years if it doesn't keep these 'specialty' documents (or even copies, in many cases)?(posted 8433 days ago)It's the lenders' job to prove these claims. Maybe they should be the ones chasing round after copy documents, if they are so sure they're right!
It makes you wonder if that's why some lenedrs are adopting the tactic of asking people 'Are you denying you had a mortgage with us, then?' (see HRP newsletter 31.1.01), to try to distract from the (original) mortgage deed issue.