Everybody's done such a good job of supplying answers (thanks folks - you know how much I appreciate it) that I am singling out only parts of Coventry's response to comment on.(posted 8598 days ago)>They have no obligation to contact us straight away - as long as it is within the six year period.
We say: This is in dispute. Some counsellors says lenders back off shortly before court over this (because the economics of legal action make it not worth the cost of risking a judge siding with the customer). Try Carol Riley of NAMV for more information.
>I have spoken to a local estate agent who has written me a letter to send to them enclosing details of properties similar to ours which were sold at that time for between #90,000 and #104,000.
We say: good for you - more people should make this effort, though it's not easy. Judges will ignore differences within 10% of the sale price though.
>I asked for copies of authorisation from Eagle Star to chase us for the #24,830.28 paid out on the MIG policy but they have refused saying that the details of the arrangement are confidential between the two parties.
We say: Uh-uh. Not good enough. This amounts to Coventry saying: "You owe us #24,000+ under a legal agreement that we have with someone else that you are not allowed to see". I don't think so. I would now narrow my responses to Coventry down to this one point. I would *politely* say that "I want to help you but unfortunately I do need to see that agreement in order to do so". They'll refuse and you just repeat your request. The aim: to get as much self-incriminating claptrap from them in writing as possible. Thank you for making sure you put Coventry's name in the subject line of your posting. The more people who read this and see how they operate, the fewer mortgages they will sell.
>They say that there is no record of us handing in the keys. They say the property was abandoned. We say: What does this claim make any difference to? Nothing, so far as I can see. Why are they arguing it? Have they put a cost in for getting new keys cut for the front door or something? Unless you were chucked out by bailiffs and a court order it was a voluntary repossession. There isn't any other kind of repossession.
>They say that none of the points we have raised have any legal foundation and they now want us to come to some arrangement. We say: They would.
I suspect from reading the rest of your post that you have not fully read the site, or that you are not convinced by the arguments it puts forward, or that you just want the stress to go. If the latter, nothing is going to take away the stress Coventry will put on you - unless you give in you are going to have to learn to live with stress. Here's how it works: they stress you, you cave in, Coventry wins on the cheap.
Please, please read the Do's and Don'ts section. Good luck
Lee