Hi am looking for advise on being repossessed 2009 and the shortfall hope someone may be able to give some advice.
We had lived in the property for over 25 years when we started having difficulties with the mortgage through family commitments. After the repossession we was told there was a shortfall of just under 33,000. We stated that we admit to no liability on the grounds that the house was not marketed correctly, the valuation was inaccurate and was sold by private treaty. Also we offered a sum of 7,000 and to pay more on top of the mortgage. This was not excepted and they went ahead with the repossession. At the time the mortgage rate was coming down to its lowest level in years so we was able to maintain this offer. the mortgage was with Bank of Scotland (Halifax Division) and Drydens was acting for them. We also had a solicitor. After exchange of letters in 2010 Drydens passed us back to the Bank of Scotland stating that they no longer acting for them in respect of this matter. We also heard from Halifax that this had been passed back to them. Thiswas then passed onto DLC up tp 2012 and then Henderson Booth & Snell last letter Sept 2012.
Now I have started to receive letters from Drydens with a different account number than previous, They believe that we are not in dispute of this balance, A letter stating that they will soon be accessing our account for legal action. I wrote to them regarding the past correspondence and they replied it had been passed to Complience team.That our complaint had aspects that involve both our their clients conduct.and /or processes. They have frwarded this onto their client Bank of Scotland (halifax division)
I have now received their reply they do not agree that they have made a mistake.and are passing this debt back to Drydens They do not agree that it was undersold. Whilst reviewing our previousmortgage account they see that we accrued one Failed Promise of £40, five missed payment fees totalling £175 and one field agent fee of £100 totalling £315. As these Management fees should not have been applied they have issued a cheque to Drydens taking this in account.
I am now going to ask my solicitor for the files relating to this matter. And would appreciate any advice anyone could give me.
,
We had lived in the property for over 25 years when we started having difficulties with the mortgage through family commitments. After the repossession we was told there was a shortfall of just under 33,000. We stated that we admit to no liability on the grounds that the house was not marketed correctly, the valuation was inaccurate and was sold by private treaty. Also we offered a sum of 7,000 and to pay more on top of the mortgage. This was not excepted and they went ahead with the repossession. At the time the mortgage rate was coming down to its lowest level in years so we was able to maintain this offer. the mortgage was with Bank of Scotland (Halifax Division) and Drydens was acting for them. We also had a solicitor. After exchange of letters in 2010 Drydens passed us back to the Bank of Scotland stating that they no longer acting for them in respect of this matter. We also heard from Halifax that this had been passed back to them. Thiswas then passed onto DLC up tp 2012 and then Henderson Booth & Snell last letter Sept 2012.
Now I have started to receive letters from Drydens with a different account number than previous, They believe that we are not in dispute of this balance, A letter stating that they will soon be accessing our account for legal action. I wrote to them regarding the past correspondence and they replied it had been passed to Complience team.That our complaint had aspects that involve both our their clients conduct.and /or processes. They have frwarded this onto their client Bank of Scotland (halifax division)
I have now received their reply they do not agree that they have made a mistake.and are passing this debt back to Drydens They do not agree that it was undersold. Whilst reviewing our previousmortgage account they see that we accrued one Failed Promise of £40, five missed payment fees totalling £175 and one field agent fee of £100 totalling £315. As these Management fees should not have been applied they have issued a cheque to Drydens taking this in account.
I am now going to ask my solicitor for the files relating to this matter. And would appreciate any advice anyone could give me.
,
shortfall
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