Response to Abbey National - cheats

I'm very sorry to learn of your situation too, I concur with what has been said already. Another thing you might wish to consider is contacting your local MP, if he/she is not helpful try Mike Hancock MP for Portsmouth South (see EDM 62 on Home Repo "Repossession" page). As AN are members of the CML you could also throw the Council of Mortgage Lenders Code at them, which they are obviously not adhering to. Look at the following taken from the CML's own website, see: http://www.cml.org.uk/servlet/dycon/zt- cml/cml/live/en/cml/pub_info_arrears

Mortgage Arrears

General Principles

2. The following general principles are relevant to the question of mortgage arrears -

(a) When a borrower falls into arrears, the problem should be handled sympathetically and positively by the lender. The lender's first step will be to try to contact the borrower to discuss the matter.

(b) As soon as financial difficulties arise, the borrower should let the lender know as soon as possible.

(c) Once contact has been established, a plan for dealing with the borrower's financial difficulties and clearing the arrears will be developed consistent with the interests of both the borrower and the lender.

(d) Possession of the property will be sought only as a last resort when attempts to reach alternative arrangements with borrowers have been unsuccessful. The borrower will remain liable for the full mortgage debt.

Good Luck.

Mark.

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