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Response to royal & sunalliance shortfall claim

from Matt (mattyc@ntlworld.com)
I am being chased by the RSA via a firm called Experto Credite and solicitors EJ Winter. I too am using, as one of my arguements, the fact that the letter I received came after the CML deadline but they say they have been in 'contact' with me since 1998 - they argue that as they sent letters to an address at which I was not resident that 'contact' had been made. In all they sent 9 lettes to that address with all sorts of threats including saying that High Court action had een started.

I have asked why they sent letters when they would have been returned, why they continued after they had supposedly sent a rep around and if any court action did actually take place. In adition as the letters they have sent copies to me of have large hole in time and are obviously incomplete I have also asked for ALL correspondance between 1998 and October 2000 when 'contact' was actually made.

They have not yet replied to my letter of 2 weeks ago which, for them, is very slow indeed as letters were coming up to twice a week.

It would be interesting to hear about all the letters they supposedly sent you and how things progress. You can e-mail me directly or post on the web-site.

My personnal opinion, as their letters sent to the wrong address show, is that they are more than likely NOT going to take any court action and are trying to find out if you can afford the debt (I presume they have said 40% of the sum is okay in full and final payment) and whether or not you will fight them.

It is very difficult having this hanging over you but you learn to accept it as part of your life (well I am, slowly). I understand exactly how you feel - try not to let it get to you - that is what they want.

(posted 8519 days ago)

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