Thanks for the tips and advice Vic and Vince. The repossession would have been last year I think although I have had no contact with the bank to confirm this. I really don't know if I had a MIG or not. How can I find out? If it helps any I had an endowment mortgage and I know that the bank has already cashed in the endowment policy. I had a letter from the firm that held the endowment to tell me this. What are the SAR(s) that I have to serve on the bank and the debt collection company? I'm sorry but I use the internet at work during my break times and I haven't found the time to get fully through all the brilliant info on this site. Thanks again for your help. Thomas.(posted 8452 days ago)