In 1994 I left my house and partner in Scotland where we'd had a joint mortgage #36000. I later found out in 1996 he'd handed the keys back in. N&P (now Abbey) did not contact me to tell me this or tell me when the property was sold. In 1997 my ex partner was killed - adverts were placed in the national press both in England and Scotland for people with claims on the estate to come forward - they didn't. In June this year I received my 1st letter from DLA demanding #25000 for the shortfall not covered by the #1000 indemnity premium I paid. I wrote back asking to see a copy of the indemnity as it was sold to me that it would cover me not the lender - they refuse to show it to me stating I am not a party to this document. All I have managed to get from them is a statement of sale from which I can see they sold the property for #20000 - I dont think this was the market value. Letters have gone back and forward regarding the indemnity but none of these other points. This morning I received a letter saying "further delay in this matter will not be tolerated" and to complete the Income and Expenditure Form and make my offer of settlement by return before they start legal proceedings. Incidentally I have no savings or assetts and live in rented accommodation.(posted 8609 days ago)I'm at a total loss as to whether any of these factors have any bearing on the amount they are chasing me for but if anyone has gone through similar ideas of how next to proceed would be a great help.
J.Berry - foxwood60@aol.com