Response to Have now recieved everything from Bham Mshires- what next?

I agree with all the points made by the other people who have responded to your post and would add that you haven't received the MIG yet. The fact that Birmingham Midshires is refusing to supply it is their problem, not yours.

So you need to do three things:

1) politely respond to their threats with a letter asking for a copy of the MIG

2) check all the documentation they have sent to you and look for errors/oddities (don't do anything about them other than to note them on a piece of paper and ask yourself if you have documentary proof of every cost they claim against you)

c) read the Repossession section and the Do's and Don'ts section, which include, respectively, a page on how to deal with lender refusals to supply documents and how to live with uncooperative lenders.

Lee

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