After 7 months of asking DLA to see proof of their claim for £25,000 (on behalf of Abbey) and being refused any supporting documentation, I have now received a letter demanding the completion of the income and expenditure form within 14 days or they will start court proceedings against me. Luckily for me I have followed the info on this site and know not to panic and send this form back!(posted 8488 days ago)But, what next? I feel like telling them to do their worst as I have no assets, savings or disposable income to give them and if it goes to court will have to declare myself bankrupt, but surely they already know that?
The house was repossessed on 15 February 1996 and I'm wondering (as it was bought under Scottish law so they can only seek recovery for 5 years) whether the 5 years is up on 15 February this year? If so surely they cant take me to court?
Any advice on this or what to go back to them with now would be greatly appreciated! Thanks.