Good morning to you all I have a mortgage with SPML and a loan with SPPL. The charges applied to my account due to arrears are shocking. I have now cleared the arrears and in the process of claiming back charges. I have been following the securitisation threads very closely and I believe my mortgage and loan have been sold to a company called Eurosail. I am not sure which one but it has to be one of the 2007's, as that is when I applied for my loan. I want to enact some form of revenge against them for what they have put me and my family through. I want to cost them money for a change. The arguments now look very strong that when SPML and SPPL sold my mortgage to Eurosail they lost the right to possess and then sell my home. If the arguments are right, I could stop paying both my mortgage and my loan and there wouldn't be anything either SPML or SPPL could do about it. If they did try, I could use the arguments here as my defense. Before I take that step should I send them any form of warning such as a letter before action or something All the best Liam