Today I have emailed Watchdog with hope that my case be investigated independently to protect the Democratic law from abuse and I await a reply.
One year on as I am still finding it hard to pick up the pieces of my life both psychologically and physically as I try to come to terms with how the law has failed me and millions like me. I feel so betrayed by the Courts and let down by the present Government.
A bill of £45,000/- for errors made by the so called professionals permitted to trade and my home in negative equity. A mortgage application form not released by the standard disclosure orders shows clear evidence that no repayment plan at all was agreed upon, not even the sale of the property after the term is over.
i was set up to lose my case and this is why my bundles of evidence and application to get the company solicitor went missing in court to make the Judges believe that I was a nuisance not following court procedure.
I believe that the Judges were duped by the fact that I was a Litigant in person and did not believe the truth and if they had taken time to look at my evidence and the disclosure a different decision would have been reached.
Two wrongs do not make a right just as Judges and Prime Ministers come and go and each put a new noose to the future of this country failing to protect the Human Rights that should begin in ones home and under ones home as no Mortgagor is giving charity to the lender over a long period of one and half decades of ones life.
A drastic look at the Mortgage Conditions 2004 E&W that condones conflict of interest in favor of the lenders has to be changed to provide equality of rights.
It is wrong for clauses such as allowing the lenders to add any amounts to the mortgage they have incurred as they have done with me for serious failings made by them that forced me to Court, and the heavy reliance of Judges feigning knowing the law allowed the lenders to pervert the course of justice after failing to look at the evidence not released by the lenders by the various court orders and the protection given for standard disclosure under the Freedom of Information Act on payment of a fee.
The recommendations for a new type of mortgage is drastically needed to bring the heart back into the heart of the Mortgage arena where too much is lost in families break ups as no one invests in a home to lose it down the line due to the failings in the Insurance industry, lenders and Insurance companies approving wrong insurance policies because their agents are not properly trained. There should be no room for errors when dealing with advise, the product, the sale and the completion of mortgages free from conflict of Interest as the solicitors in Scotland have the balls to push forward the changes to allow independent representation as conflict of interest does occur as it did in my case.
The Judges who do not understand the law should not be allowed to Judge cases, that forces them to rely on biased recommendations of the Defense Attorneys who aids and abets with perverting the course of justice with sole intentions to win is a slap in the face of what good faith placed on them by the very Judges.
A very interesting article written about the urgent changes to Mortgage Law and selling of mortgage product…brilliantly written and very educational…A mus read…
http://sas-space.sas.ac.uk/3422/1/McAuslan,_Patrick_-The_Reform_of_Mortgage_Law3.pdf.
It had been the toughest experience far tougher than the violent drug fueled abusive marriage that I had to endure for 14 years… when faced with the law, the legal system and Governments of a country that fails its good citizens.
This is not the end of my fight…God give me strength. Julie de Souza.
