Karen(posted 7775 days ago)Have you SARN'd all parties involved? If not, do so now. (see Reposession section on this site which will give you a sample letter).
Send the letter RECORDED DELIVERY only.
Next.....
Do not fill in any I & E forms.
If you genuinely have no assets (mortgage, property, car etc) and have a low income (little money can mean different things to different people so be careful)...there is very little they can do to you.
So sit tight until you get the SARN info, and then go through it bit by bit and look for any mistakes...inaccuracies etc). Keep a note of these for your own use meantime.
Next write to them and ask them to provide evidence in support of this alleged debt. See "do's and don'ts" for the list of things to ask for.
If you feel the house was undersold, get written evidence. Contact the Land Registry for a list of properties (of the same type, size etc)sold 6 months either side of yours. You will have to give them names of streets but they only charge maybe £5/£10 for this.
This should get you going for the moment.
Don't offer them money just yet - I think.
Come back to the site for any more help you feel you need.
M