Hi there,(posted 8222 days ago)I can only tell you what I have picked up from the web site (esp. Q&A posts) over the past 18 months or so. Peter Walker of Concept Management and Carol Riley of the National Association of Mortgage Victims have rather different reputations, shall we say! As you can see from the posts above, Concept Management appears to have left some rather dissatisfied customers in its wake. Carol Riley, however, is well thought of, and I have spoken to her myself and found her to be throughly informative, energetic and extremely pleasant. Furthermore, Concept Management seem to charge a hefty fee. NAMV ask for a modest contribution toward administrative expenses, I understand.
What's interesting though is that, at a basic level, the approaches that these parties advocate are actually very similar to those advocated by this web site. That is, ask for documentary proof. NAMV set great store on asking to see the Money Judgement Order, on the grounds that (a) if there is no MJO there can be no debt; and (b) most lenders didn't bother getting MJOs in the late eighties and early ninties, especially where voluntary repossessions were concerned. It is my understanding that when some lenders have been asked to produce MJOs, they have suddenly decided that it is 'uneconomical' to pursue the claim any further (please note: they don't drop the claim, they write it off). I believe that Peter Walker tries the same 'strict proof' approach but with MIGs (mortgage indemnity guarantee policies), notably those which pre-date 1993. But please read this Q&A board to see comments on his service over the years.