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Abbey /Eversheds verses Me

from Stephen Moss (mamba@moss82.fsnet.co.uk)
Hi,

I hope you don’t mind me emailing you; I have a problem like so many others and could do with a little advice.

I bought a house in 1991 after a break-up. The house was purchased for around 49,000 and I borrowed 46,000. In April 1993 like so many other I fell foul of the high interest rates (15%) and had my house repossessed. I have moved houses twice and have now settled down with my wife and two children. In March 2001 I received a letter from eversheds solicitors acting on behalf of the Abbey National asking me to fill in a expenditure form (this letter was posted to my work place, they had found out where I worked) I ignored the letter firstly because my mortgage had been with the National Provincial but I now Know they both amalgamated. I received a telephone call at work last week from eversheds solicitors last week, I asked them to send me details of what it was all about as the only thing I had received from them was an expenditure form with no explanation. I received a letter from them basically saying I owed them £15,895.

There was just a nasty, very badly photocopied statement. I have written back to them asking for more details, e.g complete breakdown of statement, mortgage deed, valuation documents because they sold the property for only £42,000 and I also served a SARN on Abbey. I would be very grateful if anyone could give me any more advice, I have heard of the six year rule and various other things and wonder if it might apply, I am willing to go to court if I have to, I am not frightened of them.

Best wishes Stephen moss

(posted 8289 days ago)

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