Yes, I can see where you`re coming from but I am merely quoting text from the site. Look below under sub-heading "Here is the minimum you should be asking for".(posted 7686 days ago)The lender will not co-operate
What happens next?
Assuming that you request the proof that we suggest you should ask for, the chances are that the lender will not play ball.
They may send you partial documentation to support their claim, or none.
Eventually they will probably refer your file to their solicitor or their own litigation department. Then you'll start to receive letters from their lawyer or litigation department instead. Like the lender's letters, these letters will threaten to take you to court unless you pay up, get on the phone or make a settlement offer. They usually give you seven days.
We know of one repossessee who has received 16 letters - each of which threatened to take him to court within seven days (from Dibb Lupton Alsop). At the time of writing, he has not received a summons.
Less often, lenders refer cases to debt collection agencies or threaten to send debt collectors around to deal with you.
Your challenge is to learn to live with these threats and to understand that they don't actually mean anything in themselves.
Simply reply to these letters the way you should have replied to the others: by politely requesting documentation to prove the lender's claim.
Here is the minimum you should be asking for:
a.. Copies of two valuations relating to sale of the repossessed property b.. MIG policy (if you had a MIG policy) c.. Terms and conditions of the MIG policy (if you had a MIG policy) d.. Copy of marketing material shown to me at the time you bought the MIG e.. Endowment policy (if you had an endowment) f.. Terms and conditions of the endowment policy (if you had a endowment) g.. Copy of marketing material shown to me at the time you bought the endowment h.. Mortgage deed i.. Terms and conditions of the actual mortgage you bought as applicable to the mortgage at the time you bought it j.. Copy of marketing material shown to me at the time I bought the mortgage k.. Money Judegement Order l.. Records and notes of all telephone conversations relating to the sale of the property after repossession m.. Copy of notification letter(s) of repossession sale. n.. Add a paragraph reserving the right to request and see any other documents as required when you have recieved all of this this material and assessed it.