Response to Mortgage Express/ Hammonds Suddards & Edge shortfall cliam after 7 years

Jovinah,

Reference the SARN did the solicitors give a reason for not responding? I would give the Information Commissioner a ring and see what they say about this.

I would also write and ask Mortgage Express why they are pursuing you, as being a member of the CML, they have agreed voluntarily that they will begin all recovery action for the shortfall within the first six years following the sale of a property in possession. First though read the exclusions on their web page: http://www.cml.org.uk/servlet/dycon/zt- cml/cml/live/en/cml/pub_info_dept

If Mortgage Express are not complying with the code then contact:

Mortgage Code Compliance Board University Court Stafford ST18 0GN Phone: 01785 218200 Website: www.mortgagecode.org.uk

Make sure you have received all the necessary documentation from the SARN, see Do's and Dont's - The lender will not co-operate.

I would take these steps first and then see what the situation is.

Post up again if you get stuck, and don't get stressed out it'll give you hiccups :)

Mark.

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