Welcome

Important Notice
Please Read

This website exists for reference purposes only, for clients that signed up before the 26th September 2019 , who have now been transferred to Mortgage Securitisation Claims Ltd.

The information available on this website is provided for historical and informational purposes ONLY and is not intended to form any sort of financial promotion or inducement to file any form of financial claim unless under the specific authorization of an SRA authorised and regulated law firm, as all such matters (should they be decided to form the basis of any claim), have been determined to be ‘reserved legal activities’ under the Legal Services Act [2007].

Thank you for your continued support in this matter.

                   
  • 8 out of 10 UK Mortgages have been securitisied
  • Do you have a Mortgage Securitisation Claim
  • Find out if you qualify for a reduction in your mortgage by up to 70%

Latest Updates

You can read all the latest updates from Camellus Law LLP about the progress of the Mortgage Securitisation Claims.

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Introducing:
Mortgage Securitisation Claims

Do you have a current UK Mortgage? You may be eligible to clear your existing mortgage balance. If Camellus Law LLP are successful then you would owe them and/or the legal team up to 30% inc VAT of the benefit on a No Win No Fee* basis.

*A legally binding Damages Based/Conditional Fee Agreement will be required to be signed on a No Win – No Fee basis – Note: Cancellation Fees may apply once legal work has started on your case

Our research indicates that over 80% of all UK Mortgages have probably been sold, transferred or assigned by various lenders. This effectively means that your Bank or Building Society may have already been paid in full the outstanding balance of your mortgage loan, so they may no longer hold the legal or equitable rights to your mortgage. Are you one of the 8 out of 10 borrowers who may qualify for a Mortgage Securitisation Claim (MSC)?

Watch this short video to learn about the Legal Quest Mortgage Securitisation Claim (MSC)

Please Note:

Mortgage Securitisation Claims (MSC) are the first of their kind in the UK and therefore have not yet been tested in court. While we are confident that we have sufficient cause of action, there are no guarantees that you will win or have any reduction in your mortgage liabilities.

  • LEGAL QUEST MORTGAGE CHALLENGE

    To find out if your lender has created a situation in which you could significantly reduce your mortgage, you must determine whether your mortgage has been sold under a process called ‘Mortgage Securitisation’, and if so whether the sale was executed correctly.

    The DSAR Validation Audit process carried out by Legal Quest PLC allows us to do just that. By submitting a Data Subject Access Request they can carry out a Validation audit and a legal, which allows us, via our legal team, to provide a Legal Opinion based on the audit of your DSAR files. Following the issue of your legal opinion, providing we have found sufficient evidence that your mortgage has been sold, you will be asked if you wish to have Camellus Law LLP instruct an independant SRA Law Firm to file a Mortgage Securitisation Claim (MSC) against your lender, on a No Win No Fee basis. By proceeding to a formal claim status your MSC will commence, you will be dealt with as an individual claim which may well result in a successful outcome. If the outcome is not successful, you may then be added to a Class Action Suit against your lender to re-present your MSC and, if required, join the Class or Group Litigation Order/Action in the High Court to finally decide the validity of your mortgage.

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  • ABOUT US

    Having built a comprehensive library detailing a significant number of the UK’s Mortgage Sale Agreements and Prospectuses, we are the UK’s leading specialists in this market.

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  • OUR AFFILIATES

    Due to the legal complexity of this matter, we have appointed specialist affiliates who are on hand to provide comprehensive client telephone support during your MSC.

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  • 13.2

    million valid UK mortgages - Bank of England - March 2017.

  • £28.5

    billion pounds in fines paid by UK banks since 2011.

  • 82.67%

    of all UK mortgages were sold by UK lenders.

  • £1.3

    trillion pounds - total outstanding mortgages - 2016.

Join Us Today
The Validation Process

The Validation Process allows us to determine whether your lender has sold, transferred or assigned your mortgage without telling you.

GET IN TOUCH

If you need more information, visit the frequently asked questions page or contact one of our affiliates today. They are on hand to answer any questions and help you understand the Mortgage Securitisation Claim (MSC) process.

SIGN UP

If your mortgage qualifies and you wish to go ahead, you can sign up with us today. The Validation Process carried out by Legal Quest plc normally costs a fixed contribution of £260 including VAT towards the recoverable disbersements which cost £5,500 + VAT, which is added to any successful outcome as a direct cost.

PROVIDE SUPPORTING DOCUMENTS

Once you have signed up, you will receive your Welcome Pack from Legal Quest plc, along with a request for a copy of your Photo ID, Mortgage Statement and a signed Agent Authority Letter. This allows us to deal with your lender on your behalf.

SUBJECT ACCESS REQUEST

Under the Data Protection Act 2018, you are entitled to a copy of all documentation held by your lender about you and your mortgage. This is obtained by submitting a Data Subject Access Request. Your lender is allowed 30 days to provide the requested information.

LEGAL REVIEW

Once Legal Quest plc have received your DSAR documentation, a comprehensive review is carried out by them and our legal team. They will look for specific evidence that relates to the sale or transfer of your mortgage. A further request may be submitted to your lender if they feel the information provided is incomplete.

LEGAL OPINION

Following review of all documentation provided by your lender, Camellus Law LLP will issue a Legal Opinion based on the findings of the Validation audit. Should you receive either a Positive opinion, you will be asked whether you wish to proceed with a valid MSC, by instructing us to appoint your legal representatives.

Want to know more? Request a free callback today.


Should we find evidence to suggest that your mortgage was in fact sold you qualify for a Mortgage Securitisation Claim.

If You Qualify
The Dispute Process

No Win No Fee*
Conditional Fee Agreement

If you decide to instruct us to appoint your legal representatives, you will be asked to sign a Conditional Fee Agreement (CFA) or Damages Based Agreement (DBA) with the law firm. The CFA/DBA is more commonly known as a 'No Win No Fee'* Agreement, meaning you only pay on the condition that your case is won and the fee is a percentage based on the value of your win. In the event of a settlement the CFA/DBA agreement value would be based on the total value of the negotiated settlement or any award made by a Court. You will also be required to cover any agreed disbersements costs if they are not recoverable from the lender.
*Cancellation Fees may apply once legal work has started on your case.

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What to Expect
Timescales & Fees

We are unable to provide a definitive timescale from Dispute to Settlement due to a wide range of factors. It is realistic to expect that the filing of the MSC to your lender will be submitted by the Legal Team within a 3-6 month period from receipt of your signed client care paperwork appointing the law firm to represent you. The entire MSC Process is expected to take between 12 – 36 months from date of first filing, however, we are unable to provide definitive timescales. Click the link below for estimated timescales from appointing us to settlement.

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if you are successful
Potential Outcome

There are several possible outcomes for the MSC and we are unable to advise of which outcome is most likely. Your Legal Team are on hand to deal with proceedings and negotiations with your lender and will attempt to reach an ‘Out of Court’ Settlement through negotiation and/or mediation. If, however, a resolution cannot be agreed, legal action through the courts may follow, with additional compensatory damages possible.

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Do you have a mortgage?

Do you have a current loan secured by a mortgage on your property?

Three years+ remaining?

Does your loan have more than three years left before maturity?

Payments up to date?

Are your repayments on the mortgage up to date and not in arrears?

If you answered yes to these questions you can sign up to see if you qualify for a Mortgage Securitisation Claim.

Mortgage Challenge
Fees & Possible Outcome

Please see below for the costs of your Mortgage Securitisation Claim (MSC). Use the calculator to see your potential mortgage reduction.







Please Note: No Benefit of any kind will be available until your case is won or settled.

The calculations above only provide an example of the potential benefits to you, based solely on the deduction of the 24% inc VAT No Win – No Fee, if and when your case is won or settled.







Please Note: No Benefit of any kind will be available until your case is won or settled.

The calculations above only provide an example of the potential benefits to you, based solely on the deduction of the 24% inc VAT No Win – No Fee, if and when your case is won or settled.

You can find out more about the timescales and fees by clicking here.

  • The Validation Process - Contribution £260 inc. VAT towards costs

    The Validation Process allows Legal Quest plc to determine whether your mortgage was sold, transferred or assigned by your lender, at a fixed cost of £5,500 plus VAT against which your only cost is the contribution above. *Please note this contribution may be discounted by agreement. The Validation Process includes:

    • Dedicated Phone Support
    • Preparation & Submission of a Data Subject Access Request
    • All fees, registered mail postage costs, disbursements and VAT
    • Full legal review of the documents
    • Request for further information regarding securitisation
    • Camellus Law LLP issuing a legal opinion based on the findings
    • The Quantum Validation Audit to advise the law firm of the value of the MSC
    • Preparation and submission of an independant Part 35 Expert report for submission to Court

  • Your Mortgage Securitisation Claim (MSC) - 30% inc VAT No Win No Fee* Agreement

    Should you qualify, you will be given the option for Camellus Law LLP to appoint a law firm to represent you. They will agre to act under a 30% inc VAT Conditional Fee Agreement/Damages Based Agreement, more commonly known as a 'No Win No Fee'* Agreement.

    *Cancellation Fees may apply once legal work has started on your case.
    • Access to specialist legal team
    • ATE (After the Event) and BTE (Before the Event) insurance
    • Formal filing of Letter of Claim
    • Formal filing of an AP1 application to HM Land Registry
    • Arbitration/Mediation if required
    • Legal representation at High Court level if required
    • 6 Year cover against any third-party claims against you

  • Mortgage Securitisation Claim Validation Terms
  • Legal Quest Dispute Terms and Conditions
  • Mortgage Securitisation Claim (MSC) No Win No Fee

    Terms & Conditions

    Please see the Validation and Dispute Process Terms & Conditions.

    Conditional Fee Agreement

    Please see a generic copy of the Conditional Fee Agreement.

Terms & Conditions

Please see the Validation and Dispute Process Terms & Conditions.

Conditional Fee Agreement

Please see a generic copy of the Conditional Fee Agreement.

Legal Quest Dispute Terms and Conditions
Mortgage Securitisation Claim Validation Terms
Mortgage Securitisation Claim (MSC) No Win No Fee Agreement (CFA)