Mortgage
Securitisation
Claims

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Leading Industry experts for Mortgage Securitisation Claims (MSCs).

Working in partnership with Legal Quest plc.

Do you have a current UK Mortgage? Start you application today to find out whether your lender has sold, transferred or assigned your mortgage under securitisation.

If Legal quest plc find that you have a case, you will be eligible to submit a Mortgage Securitisation Claim (MSC), and you may receive a substantial benefit if your MSC is successful which could allow you to be able to clear your existing Mortgage balance.

*Note: Cancellation Fees may apply once legal work has started on your case.

If you would like to learn more about Mortgage Securitisation please click here.

Validation Process

The Validation Process is a free service, carried out to confirm whether your mortgage is eligible for a Mortgage Securitisation Claim. This process takes around 2-3 months to complete.

1. Get in touch

If you need more information, visit the Frequently Asked Questions page or complete the contact form. A member of our team will be in touch to answer your queries.

2. Sign Up Today

If your mortgage qualifies and you wish to go ahead, you can start your application today. The Validation Process is carried out by Legal Quest plc who are considered industry experts.

3. Provide Supporting Documents

Following sign up you will receive a Welcome Pack from Legal Quest plc. This will include a request for a copy of your Photo ID, Mortgage Statement and a signed Agent Authority Letter.

4. Data Subject Access Request

Legal Quest plc will submit a Data Subject Access Request to your lender, requesting specific information required to determine whether your mortgage was securitised.

5. Legal Review

Legal Quest plc will conduct a comprehensive review of the documentation received. They will look for specific evidence relating to the sale or transfer of your mortgage under the process of securitisation.

6. Legal Opinion

If your application is successful you will be assigned to a Panel Law Firm who will represent you. Your recommended panel law firm will be issued with a Legal Opinion, based on the report provided to us by Legal Quest plc.

Do you have a Mortgage?

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

Atleast 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
start your application to see if your mortgage is eligible for a Mortgage Securitisation Claim.

Mortgage Securitisation Claim

If the Validation Audit is successful, you will be invited to proceed with a Mortgage Securitisation Claim.

No Win No Fee

If your application is successful you will be asked to sign a 30% inc VAT - No Win, No Fee Agreement with your appointed Law Firm,

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Timescales & Fees

Due to the nature of the claim we are unable to provide definitive timescales. You can read more about the Fees & expected Timescales here.

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Potential Win

Providing your claim is successful, we will look at recovering all payments you have made to your lender since the date of securitsation plus interest and any additional statutory amounts.

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Fees & Whats included

Below you can see the cost for the Validation Audit and Mortgage Securitisation Claims, along with the services we include:

Enter your Mortgage balance to see how much you could potentially save.

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 30% inc VAT No Win – No Fee, if and when your case is won or settled.

Enter your monthly Repayment amount to see how much you could potentially save.

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 30% inc VAT No Win – No Fee, if and when your case is won or settled.

Validation Process

The Validation Process allows Legal Quest plc to determine whether your mortgage was securitised by your lender.

Cost: £260.00 - FREE for Selected Lenders

Although the Validation Process is free, a payment of £1 is required to confirm your identity. The Validation Process includes:

  • Dedicated Administrative Secure On-Line Support
  • Preparation & Submission of a Data Subject Access Request
  • All fees, registered mail postage costs, disbursements and VAT
  • Full validation audit review of the documents received from the lender
  • Request for further information regarding securitisation
  • Issue of a legal opinion to the recommended panel law firm based on the findings
  • A Quantum Validation Audit (QVA) to the law firm estimating of the submission value of the MSC
  • Subsequent preparation and submission of an independent Part 35 Expert report

Mortgage Securitisation Claim

The Validation Audit allows Legal Quest plc to determine whether your mortgage was securitised by your lender.

Cost: 30% inc VAT - No Win No Fee Agreement

Should you qualify, you will be given the option for Mortgage Securitisation Claims Ltd. to appoint a law firm to represent you. Included in this is:

  • 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 available against any third-party claims against you