Response to Cost and Other charges

Gel,

A mortgage deed being under seal is classified as a specialty, in legal jargon, (Limitation Act 1980) and so has a time limit for action of 12 years.

It is 6 years for interest, as you say (see Bristol & West v Bartlett, para 35)

The other charges/costs you mention, I think, will be classified as simple contract (these not being specialties and under seal) and the time limit for an action founded on simple contract is six years (LA,s5).

Please double check this with a legal expert.

Mark.

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