i have been in a battle with eversheds regarding my mortgage (£34500 on mortgae of £56000) shortfall claim, after many attempts they have eventually come up the documents that i have requested including valuations, copies of invoices ect. the one document that they still did not hand over was the copy of the mortgage deed (they kept insisiting that i may obtain a copy from the land registry) after reading a comment on this site regarding the validity of an actual contract existing between myself and the lender, based on the fact that the lender often never signed their copy of the deed, i approached the Land registry to obtain a copy of the deed myself.(posted 8358 days ago)i have just recieved the documents back from the land registry and the copy of the mortgage deed is unsigned.
Could anybody out there advise me whether my knowledge of contract law is correct and whether i can tell them to drop there claim, based on the fact that no contract exixsts between us.