Mrs. Cowie's letter inquires about the whereabouts of her house deeds. Her husband was previously represented by Mr. O'Callaghan in a 2005 bankruptcy case. At that time, Mr. O'Callaghan did not think finding the deeds would be a problem if needed. However, Mrs. Cowie now wants to tie up loose ends regarding the deeds' location. She provides the history of her mortgage, which was originally with Abbey National in 1971 and was transferred between various firms. She is unsure if the deeds were properly transferred with the other papers to Mr. O'Callaghan's firm, Machins. Mrs. Cowie asks if it is possible and necessary to track down the deeds,

1. Mrs J. Cowie
34 Bodmin Road
Luton Beds
LU4 9BW
16th January 2008
Dear Mr O'Callaghan
To put you in the picture as to who I am, you acted for my husband - Mr. G. P. Cowie in his
Bankruptcy affairs during 2005. We did at the time ask the whereabouts of our Deeds to the
house. You didn't seem to think there would be a problem finding them when the need arose -
copy of your letter enclosed.
However I just would like to tie up loose ends. Is it possible to track them down - is it necessary -
and more importantly how much would this exercise cost us?
We started our mortgage with Abbey National in 1971 - who I wrote to - copy of their return letter
enclosed. Then the mortgage went to UCB Home Loans, who said they sent the Deeds to
Stephens Wheeler Solitors in Marsh Road - copy of their return letter enclosed. After that
everything was sent to Stephens Wheeler Solicitors in Dunstable, and then on to you at Machins.
So to all intents and purposes the Deeds if kept together with the other papers should be with you.
The one thing which bother me is that Stephens Wheeler is no longer in Marsh Road so I cannot
follow this up.
Please let me know if you think we should pursue this matter.
Yours sincerely.
J. Cowie