Alan, Check the postmark on the letter you got from'Aplins'. I think you'll find it comes from DLC's neck of the woods. DLC probably only use this firm as a front to make people like you tremble. Issuing a SARN notice is absolutely no question the RIGHT thing to do. You don't give any details of the £10k you say you owe, but it may be the case that your lender has not been very professional about re-selling your property, carrying out economically priced repairs, keeping you properly informed etc.. I trust that you haven't admitted liability for the money they are claiming! Getting them to respond to a SARN puts you in a position of greater strength because you will have documentary evidence of their claim and how they have arrived at it. This site seems to suggest that a lender will settle for around 20% of a claim eventually, and the trick seems to be to keep playing for time by insisting on being given information you are entitled to have.(posted 8043 days ago)Gordon Bennet