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Response to SARN and "Relevant Filing System"

from One Angry Mother (madcow678@hotmail.com)
You could ask your MP to write on your behalf. You will get more luck with this route if your write a letter addressed to the lender, but send it to your MP with a letter outlining your case and asking him/her to take an interest in these dealings. Then offer to copy your MP on all correspondence. Your MP may send copies of any letters you write to him/her to your lender, so make sure all the facts are relevant and true.

Remember to put a sentence in your letter to the lender stating that you give authority for your MP to have copies of any information relating to you that he requires. Otherwise, your lender will say that they cannot release the information under the DPA.

I tried this when the Halifax refused to supply a copy of the Mortgage Deed because it was held at Land Registry and they "did not want to further increase their costs in relation to this debt". After my MP wrote asking why they would not supply relevant information, they offered to send a copy of the Mortgage Deed to me. As it turned out, I settled before they sent it, and I have never received a copy, but that's another story.

You should also write to the Information Commissioner. There is no point making these threats if you're not going to carry them out. If she writes back and says she cannot help, then you'll just have to think of something else. But who knows, she may be able to get information that your lender felt you shouldn't see, such as important documents that can make a whole world of difference to your case.

Good luck.

Tracey

(posted 7713 days ago)

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