No. No remortgage or mortgage increase. I categorically did not sign any mortgage document in 2007 nor have I had any need to

Ok but I have no documentation prior to 2007 other than my mortgage agreement with said protection included. Why would they produce another agreement which is false dated 2007?

Mortgage repayment protection.

I've just received a SAR as I know I took out several insurances as I have the original mortgage contract from 1999 On receipt of my SAR I now have a mortgage dated 2007. I became unemployed prior to 2007 and ended up having a suspended repossession order on my property. This has been niggling at me for a while and I finally found the original mortgage offer and signed contract. Thoughts anyone?

All submitted yesterday. Thank you for your help, I think I understand it all. I'm assuming the hearing happens next? Lynn

Thats fantastic i have 528 in late fees not including interest - do i need to include interest?

Hi Andy, I'm having a real struggle to understand / find any relevant case law which is relevant in the case library and i'm getting myself in a right state. Is there anywhere else i need to be looking.

First attempt, pointers please TS 1. The defendant wishes to object to any summary judgement being made. 2. The claimant has finally after 2 years of initially requesting received CPR r31.14 disclosure finally enabling the defendant to compile a suitable defence and or counterclaim. This is not a defence in itself but was required due to lack of documentation provided on the filing of this claim into court by the claimant. 3. The claimant has not made contact with the defendant at any point during this period to explain any reasons for such a delay in retrieving the information nor to advise that they had located said information. 4. Due to the delay counterclaims have been seriously undermined due to miss sold PPI and excessive penalty fees/charges added to the account. 5. The Unless Order made on the 14th October 2009 by District Judge McHale has not been adhered to - No prescribed terms on the application form rendering the claim unenforceable - Barely Legible Application Form - Illegible Terms and Conditions. - Representations of letters purported to of been sent to the defendant 6. The defendant has had no problem in complying with the court within the set time lines and feels aggrieved that due to the claimants lack of organisation they have not just disobeyed the unless order but also missed the time limit, not by few days but a massive 2 years. 7. No defence has been submitted and as such summary judgement should not be given. 8. The defendant asserts that the claim remains struck out.

Thank you so much

I'll crack on with that tomorrow. Can i ask you to look at my drafts? And is there any particular template i should follow? Sorry to ask but i really don't want to mess this up, I haven't got 6k spare should this go in their favour Lynn

Thats good news.. What is my best line of attack with this information Best Lynn

Added T+C, Application form, Default Notice, NoA T+C are poor quality but scanned anyway http://s559.photobucket.com/albums/ss40/micallef_lynn/Cabot/

Thankyou AndyOrch I honestly dont know where to start with the WS other than going through each point raised which will get confusing due to the case law involved The time its taken for me to get the information must go in my favour I am going through the file at the mo and need to get the initial claim out I believe its around 6k I will quantify the charges PPI and others each on a separate sheet to go as a counterclaim/defence. Some pointers as to where to start and where to focus my defence would be appreciated. Many thanks for your time and help TS

This is a wonderful surprise to receive on return from my hols and after almost 2 years of asking!!!!!!! I have received a pack from the court approx 2inches + thick of documents requested at the time via a CPR 31.14 letter on receipt of the initial claim I have scanned there gumpf 3 pages and am linking it to this post. I am currently trying to digest what they have sent but would welcome any help I am collating my PPI although they are pre 2004 and they have only included statements from Nov '03 when the account was opened in March 2003 according to my application There are also a few Late Payments / Overlimit Fees at 20 a throw but i think they will struggle to come anywhere near half the initial claim Oh and the hearing is set for 30/8/11 Please help /Advise http://s559.photobucket.com/albums/ss40/micallef_lynn/Cabot/ Thanks TS

yes i do only 2 penalty charges tho.