A lot of users of this site, who loosely conglomerated into the 'mortgage shotfall support group' and gained some useful publicity and parliamentary suport, did a deal of research on this issue a year or two ago. The good stuff is all on the site, courtesy of Lee. Please go to 'Site Map', and type 'mortgage deed' into the search box. You'll find a lot of information identified, which it will be (I would imagine) beneficial for you to read.(posted 7857 days ago)I know it's a slog, but the read-research-fight route served me well, and helped me not only maintain my credibilty and integrity throughout the whole 'debt' claim debacle, but also helped me help others too.
Everyone's case is different, however - there are no 'pat' solutions - which makes the reaserching of one's own 'defense' (ie refutating the lender's arguments against you) essential. How do you refute an argument? Demand evidence of the opponent's stance. If someone throws as argument at you out of the blue, it's incumbent upon them to prove it, IMHO.