Letter for counsel

Prompt

You are helping a former paramedic prepare an introductory letter to counsel about a mortgage dispute in England and Wales. Using only the evidence below, produce: 1. A finished first-person letter of 250–350 words seeking a paid written opinion and conference. 2. The three strongest documentary comparisons, each with its source label. 3. Separate SOURCE NOTES, no more than 150 words, identifying material accuracy problems in the proposed wording. Evidence: [A] In July 2024 the lender told the Ombudsman that the borrower’s mortgage transferred in 2007. The lender’s original transfer notice dates it to June 2006. [B] Asked about historical arrears at a lower interest rate, the lender said arrears would still have occurred. Its later reconstruction shows no instalment arrears from March 2014 to April 2023, including the 2019 and 2021 possession-action dates. The mortgage principal remained outstanding. [C] In December 2021 the lender told the court it had no specific information about the borrower’s circumstances. Its September solicitor instruction expressly recorded his head injury and vulnerability. [D] The borrower has not worked since April 2019 and is medically retired. He attributes psychiatric injury and career loss to the lender’s prolonged enforcement. No medical causation opinion is supplied. [E] A July 2025 internal record says the borrower consented to a rate concession. He denies agreement. His June email said, “You can apply it now if you want.” He explains that he did not intend this as acceptance of an arrangement or affirmation of the contract. The successor lender later described the rate as applied unilaterally. [F] The borrower approached lawyers in January 2025. Important additional documents arrived during 2025–26. No single legal discovery date has been established. [G] The successor lender has agreed to hold possession action while the Ombudsman investigates. No limitation standstill has been agreed. [H] The borrower wants advice on the strongest claims, appropriate defendants, limitation, urgent protection and remedies. He can pay for the initial review. His rough opening says: “There was never any mortgage debt. The documents prove the Bank caused my head injury. I discovered everything in 2026, so limitation is protected while the Ombudsman investigates.” Writing requirements: Preserve his direct, personal voice and correct inaccurate wording. State documentary facts plainly. Attribute his contentions naturally without repeatedly adding defensive qualifications. Do not invent quotations, findings, legal authorities or deadlines. Do not write the opponent’s case. Keep analytical checking in SOURCE NOTES, but correct inaccuracies in the letter itself. Select the important facts rather than cramming everything in. Deliver the work, not advice about how to write it.