1. Dear Eugene, You have not paid me for answering your previous question. Please Accept that Answer and Rate the answer and then I will answer this question. Unless you Rate the answer I don't get paid, so there is no incentive to answer any further questions if you aren't paying me.
2. Dear Eugene, I am afraid but your Rating is not showing and I have not gotten paid for answering your previous question.
3. dear Eugene, you have a lot of questions rolled into one giant question here. I would suggest you ask these questions separately in future as it is confusing having so many different issues raised at once. The first thing I would say is that it was very foolish of you not to raise the issue concerning the 20 year loan back in 2008, when you first found out about it. Since then, the six year time limit for raising this issue will have passed. So, you immediately start off on the wrong footing. You had good grounds back then to sue. Letting this pass has only weakened or lead to the expiry of your claim.
4. Secondly, you can sue the bank for the loss of equity in the property, but this is likely to be statute barred, I regret to say. However, this is something you need to do to raise the issues which are in your favour. Thirdly, you don't get costs as a lay litigant if you are representing yourself. You only get costs if you employ a legal representative. Fourthly, you can claim damages for the inability to rent should you challenge the invalid appointment of the receiver. Fifthly, you can make a claim for monies not paid to you in 2006. However, only six years interest starting at the date of your claim is allowable as the rest is statute barred.