Hi Lisa,(posted 7873 days ago)Did you really expect them to be helpful, Lisa??
There's a fair amount of stuff you can work on here. For example, the deed/legal charge will either form, or be part of, your origonal mortgage agreement - if it doesn't exist (although it may be they are too idle to put the documents together), then there is no case for you to answer.
Better to ask them NOT for a mortgage deed (avoids confusion with title deeds)but for a copy of the origonal mortgage agreement/contract legally signed by all necessary parties.
As for the legal charge which may be a seperate document, You must be specific. Ask them for the charge in the name of (your name), and for the address of the property known as (the address of the repo'd house).This should put them on spot. If they don't have a copy, then ask them where else you will be able to obtain a copy, (they will need one anyway for any future court appearance).
They will need mortgage statements for a future court appearance therefore you are entitled to copies without having to pay for them. I would ask them to explain why their interpretation of the Woolf reforms includes 'charging a fee' for the disclosure of documents prior to negotiation.
Hope some of this helps
Stephen