I and a joint owner gave the keys back in a voluntry repossesion in 1991. He settled for £6,300 (shortfall on sale of £25K), I told them to use the MIG. They tried again in 1996 and went away. They finally came back this year and I have engaged Peter Walker of Concept Management to finalise things. They have obviously handed the matter to a debt collector/ solicitor called Lean & Co and the gloves are off. They now say the debt is £44K and have sent a summons. I have SARNed everyone in sight and sent a copy of 1997's threatening letters to the data protection officer (asking for my wife's income and threatening court if not forthcoming - naughty, naughty). I am counter claiming agaist them on the grounds of mis-selling (MIG), negligence (not producing MIG when repeatedly asked), harrasment (I & E), and I am trying to work out another one based on lying to me that subrogation is the law that lets them claim from the MIG and then come after me for the money themselves.(posted 8395 days ago)In general UCB have been sloppy and just sent sent my file to another bad mannered desk jockey for years. This has only come to a head because I want it finished! It has been going on for so long now that I am deriving some kind of peverse enjoyment at finally spending some time going to war against UCB - We were originally told and always believed the MIG would protect us from negative equity, so definately a case of miss selling.
Alistair