hi, thanks for the response.
yes, the sist was so that the lender could investigate. the last correspondence with lenders solicitors was that they were to get the police to investigate it.
i had gone to the police, but the police had stated that technically it was not my money and that the lender would have to state a fraud had taken place. and only then could they investigate it. I told the lender this plenty of times but they chose to take me to court for all the missed payments and arrears.
my undesrtanding is that they approached the police about this, but i have not heard anything back.
I'll mention that my family member was staying at the property whilst i moved back to england, and during the time he was there he kept corresponding as me to the lender. signatures that he signed were no match on the the credit agreement he'd signed, the monies were all transferred to his account. and all the time the actual mortgage repayment was still being met by me. (just not the fraudulently obtained cash advance loans)
the problem is im working full time and do not qualify for legal aid, and solicitors cost for this going up against a bank could spiral (so ive been told). which leaves me with the question...am i able to just seek assistance from yourself if I were to take them to court myself and raise an action or counter action?