Response to Eversheds/Natinwide-refusal to supply breakdown of trasactions on mortgage account

In my opinion, which is an amateur one, if the claim form has been sumbitted to are now entitled to see all the lender's evidence under "disclosure" rules. You also need to file a defence and counter- claim. This could be underselling of your repossessed property, for example. You need to ask the court to make the lender pay its own costs even if it wins, because the lender breached Civil Procedure Rules by failing to allow you to evaluate its claim properly and thus negotiate an out-of-court settlement. Show the judge all your correspondence with the lender in order to prove this. The lender *should* want to reach an out-of-court settlement. On the other hand, if you have no money, then the court, even if it finds in the lender's favour, can only tell you to pay a piddling amount to the lender each month. The whole thing is a waste of shareholders' money.

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