Missing House Deeds

After my ex-husband left me in serious debt I handed the keys of my property back to the Abbey National in August 1994. We had originally bought the proprty for £37,500 in 1991. I believed the MIG I took out at the time of purchase would cover any shortfall, or that was what I was led to believe! In November 2000 I received a letter from DLA Solicitors informing me that I owed £30,000 and that the house was sold for £14,500 at auction in December 1994 just four months after repossesion even though the house was left in good repair! They sent me a very basic breakdown of costs where the interest seems very high considering the quick sale. I asked if the Mig had been activated and was told it had but the Abbey were pursuing me on behalf of the insurers?!! The latest state of play is that I asked to see the mortgage deeds, in reply they sent me a copy of the mortgage application form and a copy of the MIRAS application form neither of which prove we actually took the mortgage out. I wrote again and was told that as the property was sold for cash at auction they no longer had any access to the deeds so I presume they have no copies either. This is how things stand. They have asked me to phone their office which I haven't done, they have also threatened court action if I didn't reply within 10 days, I told DLA that considering it has taken their clients six years to pursue me the least they could do was give me time to take my own advice! Any advice or comments would be welcome, where do I stand on the position of the elusive house deeds and where do they stand on being unable to provide these? Thanks, Trish

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