MJO/DLA

There has been six months of communication between myself and DLA acting on behalf of Abbey National, who say I owe £30,000 for shortfall debt. I have repeatedly asked for all relevant documents, the only things they have sent me is one page of a mortgage application form signed by me and a copy of a MIRAS 5 application also signed by me but with the wrong address on it!! They say they have sent all documentation they can and say this substantiates their claim! I keep writing back asking for everything, I haven't given up. Can anyone tell me how important an MJO is? So far they are ignoring me and will not tell me if there is one or if the MIG was actually activated. They have sent me some general information about MIG's which says that the borrower claims back any money paid to them via the MIG from the repossessee on behalf of the insurers, but I still don't know if they did claim. Any advice on MJO's will be gratefully received.

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