Debbie,(posted 8445 days ago)If you send details of this situation to the Information Commissioner (IC) (formerly the Data Protection Commissioner), and ask for an 'Assessment', you will get priority because of the suspicion that you have received an incomplete response (details of the IC below). Send copies of all relevant correspondence, if possible.
You might ask, why bother? Well, (a) it's free, (b) it's your right as a citizen living this democracy, and (c) it will be a formal record of your concerns, and, if the IC finds for you (which seems likely on the basis of what you say above), then it will be a record of the lender's non-cooperation. This in turn would indicate that the lender has not cooperated with Civil Rules Procedures. And this in its turn would, as this site so aptly suggests, 'help the lender stuff its own case against you'.
I would also hope that you would feel able to supply copies of these letters to this web site!
The lender's stance also seems to be a breach of the Mortgage Code. Please write and tell one of the MPs who is sponsoring a parliamentary debate about this: Mike Hancock CBE MP, House of Commons, London SW1A 0AA. (Also Bob Russell MP and Tony Benn MP are very interested in this stuff.) And tell your own MP. And ask him/her to sign EDM 62, which Mike Hancock tabled about lenders' lack of evidence of alleged claims (& their general behaviour). This campaign is really helping.
I know it seems tough at the moment, but you have to remember that every time the lender (or its agent) comes across as being unreasonable, things actually look better for you. If you can learn to live with it, it becomes a very interesting learning experience.
But support is crucial. So read the whole of the Home Repo Page's 'Repossession' section, especially 'why lenders refuse to supply documents and why it's good news for you'..... (again if necessary).
And please *do* use this support and information network. As often as you need.
DPA INFO: Information Commissioner, Dame Elizabeth France, The Office of the Information Commissioner, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Tel 01625 545700. Fax 01625 524510. Email: mail@dataprotection.gov.uk. Home page: www.dataprotection.gov.uk
all best,