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Response to Mortgage Deed but no MJO

from Matt (mattyc@ntlworld.com)
They do not need an MJO to write to you nor to ask you to negociate.

The MJO is part of the repossession process that allows them or a connected third party, i.e. insurer, to chase you legally for the money. They can return to court and seek one but it is arguable that they would not get one as there has been a long delay and that certai legislation states that any procedures outstanding before April 1999 that are not completed are now stayed - in other words they cannot go back to court.

They will say they do not need one but will not say for what they do not need one. It will probably be a long drawn out affair with lots of threats. Keep asking to see all the docs as shown on this site and if they say you cannot then keep asking as it is your right.

Also ask for a clearer copy of the deeds as there is VERY important info in them.

(posted 8226 days ago)

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