Response to CML Code

Julie,

I would take a look at the following 2 CML web pages:

Debt Following Mortgage Possession

http://www.cml.org.uk/servlet/dycon/zt- cml/cml/live/en/cml/pub_info_dept

Handling of Arrears and Possessions - See item 22 (Loss Recovery Procedures)

http://www.cml.org.uk/servlet/dycon/zt- cml/cml/live/en/cml/pub_info_arrears

A solicitor I know says he always insists on evidence of a recorded delivery letter having been sent in respect to a lender making contact. Otherwise any lender could say they made contact or had sent a letter.

You might be able to complain to The Mortgage Code Compliance Board on 01785 218200, but first I believe you have to exhaust the lender's own complaints procedure. Hope this is of some use. Good Luck.

Mark.

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