David,(posted 7674 days ago)The mortgage deed is the legal document that you signed to say that the lender has a legal charge over your property. You can see an example on: http://www.ucbhomeloans.co.uk/Broker/literature_zone.asp? doctype=L#EW3
The terms and conditions are usually in the form of a seperate booklet (but not always), you should not only have this but also the deed you actually signed. Have you asked for everything shown in the list under "What to do when lenders won't cooperate" on the repo Do's and Dont's?
Ignore this man's facetious comments and don't allow yourself to be intimidated.
Best wishes, Mark.