I finally recieved the SARN from B&B yesterday, I now have a folder nearly 3" deep to wade through.(posted 7666 days ago)Looks like they covered their rears re underselling with 2 grossly underpriced valuations and sold for 8k more than those.
There's about a ream of payment history with lots of unusual looking debits towards the end which are going to need decoding and I supect a lot of explaining from the B&B.
There's also a copy of a document we signed saying that the B&B would only lend us the money if we paid £300 for a mortgage guarantee from the insurer but it would only guarantee 6k of the mortgage. So it looks like we didnt have a full MIG, wording is interesting though and I can find no reference to the insurer paying them anything.
Also copies of the letters they sent us about the arrears as well as copies of the mortgage application & MIRAS paper work we signed.
Looks as though there are a few documents missing, I'll need to look back through the Dos & Donts to find out which.
Interestingly while I've been typing this we've received a letter from Scotdebt Call demanding payment or a collector will call within 7 days. Looks like B&B have dumped AIC after I sent them letters telling them not to call or visit. Oh well another letter to type. Sue