Heather,(posted 7821 days ago)Regarding the letters/explanations for the slow response from your lender about your original private sale.
I received my SARN response from my lender on Friday, I'm still ploughing through it - 354 pages, most of which are duplicates or pages of no information value, added to pad it out and take longer to read. Anyway, long story cut short. I have a piece of paper that states and I quote : "I have separated those documents we consider should not be released to Miss ..." Me!
I don't know if your lender works the same way, but I got a letter from the Data Controller (or whatever they are called) at the lender, saying that if I thought *SPECIFIC* paperwork that had not been included was relevant, I should write and request it, then they would view the situation. You could try this course of action regarding your missing letters, mind you, you may find they don't send the paperwork because you cannot supply *SPECIFIC* details of what is missing. If you don't get any joy you can then involve the Independent Controller (who oversees all Data Protection Act information, you can get details from web by typing Data Protection Act into search engine).
My colleague bought a repo back in 1998, for £80K less than the house was mortgaged for (this was at the lenders asking price). He said this caused terrible delays in the process because the lender was reluctant to let him buy it for the price they were asking for. I don't doubt the delay was caused by them making sure they got their money back by hook or by crook, probably through an insurance policy they bought once they knew what the shortfall would be.
Anyway, even if your MP is not interested in the issue of shortfall debt recovery, copy him on all correspondence sent and received. At least then the government can see what is really going on with these big financial organisations and how they go about re-couping their 'loses', and they will have to do something about it eventually. You could also write to the FSA, which is an independent body that is supposed to regulate banking.
Good luck me dear.
Tx