The Act isn't that important at this stage. What is important is to get letters into this lender asking for documentation/proof etc, as detailed ad nauseum on this site.(posted 8361 days ago)You also need to read up on how to deal with a court claim should one pop through your letter box. Sources for that info include CAB, solicitor, or The Litigation Handbook (but get the latest edition). Very good, quick-to-read book.
Lee