I think I would have a good case for forcing a sale. Other attempts to obtain payment have proved fruitless given the inadequacy of current legislation. But it would be pointless forcing a sale if the house was in negative equity - which is why knowing the size of the mortgage would be useful. As for the costs, couldn't I add these to what I'm owed?
If true this is bad news. I thought the benefit of putting a charge on a property was that the owner could not sell it without the permission of the charge holder. Is that not the case?
It would be pointless if the debtor can sell whenever he likes - even at a loss. The bank will be well placed to pursue him for any shortfall in the mortgage repayment. But I would have to start from scratch. Is that not so?