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Response to DLA, ABBEY NATIONAL,In response to my last letter.

from Eleanor Scott (eleanor.scott@btinternet.com)
I believe that you asked to see a copy of the Mortgage Deed but DLA are talking about the Title Deed. But if they really said, 'are you disputing you had a mortgage?', then they must know you are after seeing the Mortgage Deed. You need to see this because if they have no Money Judgement then your lender's case is actually based on the wording of the Mortgage Deed.

If you want to know about the MIG, see this site under 'Repossession', 'why lenders refuse to supply documents'.

I would say that you might write back equally politely, and ask again for the 'Mortgage Deed (& Conditions)'.

I would also ask your MP to write on your behalf, asking your lender to show you its full file on your 'case'; and maybe ask in particular if the lender actually has the original Mortgage Deed, or if it is relying on a microfilm copy, or if it has been lost or destroyed. You really are entitled to see these documents before you consider offering a settlement, I understand.

(posted 8469 days ago)

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