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

I think the lender and/or DLA are trying to avoid having to trudge around giving you any documents that:

a) cost them time to retrieve, and b) give you a glimpse of what you were actually sold

You *do* have a right to see the mortgage deed and its associated conditions. You *do* have a right to see the MIG, even if it is between the lender and the insurance company. Of course, you can't make DLA hand over the deed. But DLA/Abbey can't comply with the so- called Woolf Reforms and successfully sue you unless it has handed over the documents on which its alleged case is based before a court hearing.

So, use their refusal to help them help you. Do this by politely requesting again to see the MIG, pointing out that you cannot be held liable under a MIG agreement that you are not entitled to see. Politely request the Mortgage Deed for the same reason.

They'll refuse for one reason or another and you must respond with a polite letter asking to see the documents.

If you don't understand why this is so, read the Repossession section and the Do's and Don'ts section for a very detailed explanation of the lender/debt collector mentality.

Good luck,

Lee

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