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Response to Final Defecit / Abbey Nat / Eversheds

from One Angry Mother (madcow678@hotmail.com)
Andy,

My maths has never been any good, but I can use a calculator. 587 + 940 = 1527, how is the other 3 and a half grand made up? Ask you local estate agents about selling commissions, I am not sure how much estate agents charge these days.

Ask the lender for copies of all invoices which they claim make up this shortfall. Also, ask for bank statements to prove they have actually given this money to their supplier - they would ask the same of you if they send you an income and outgoings form (they expect you to provide bills and bank statements). Check all figures against each other, as they sometimes get "transposed", and 490 becomes 940 (although I am sure this only down to typing errors)!!!!!!

If they don't/won't send you the info you require, then SARN them. Don't take their word for anything, the majority of us here can tell you about figures that don't quite add up. If it looks strange to you, it probably is, so ask questions - lots of them.

I agree with you about not using the phone to negotiate. If it's written down they have to stick to what they say. Always refer to the shortfall as an "alleged debt", and do not admit liability in any way. Ask them why it has taken so long to contact you.

Good luck.

Tracey

(posted 7653 days ago)

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