Response to Halifax Morgage Conditions

Best thing to do is ask for a copy of the Mortgage Deed. They will probably claim that this is at the Land Registry and tell you to go get it from them. Tell them that they are obliged to supply as this is the basis of their claim and say that you wish for you/your legal representative to be able to view the *original* pre-litigation and so they should provide you with it's location. They will again tell you that this (the original) is at the land registry, but get a copy for you. What you will get is a copy of a copy of a copy. The *original* document is not at the Land Registry. Ask the question via the LR Web site and you will get an emailed response. Keep this reponse it is valuable evidence of the lenders attempts to deceive. The LR have been really helpful to me. The more people that ask this question of the LR specifying the lender, the more the LR will get upset with these lenders. If the lender says that it does not have the original then I would keep it in your mind that you or your consel should *demand* this if it ever goes to court. Incidentally if the Mortgage Conditions that they sent were not signed (as is the custom and practice) ask them where these are so that you may view them with the *original* mortgage deed. Good luck and let us all know how you get on. One more thing, what is the date of your Mortgage Conditions. I am trying to locate sets to compare.

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