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National Home Loans through Allied International Credit are demanding money are they acting legally?

from Steve Kitt (Steve@fivekitts.freeserve.co.uk)
After a short period of problems my home was repossessed in Oct 1991 by National Home Loans. In May 2003 I was contacted for the first time regarding this matter. I have itemised the events of the last 2 months and would appreciate it if anyone has any advise for me.

2/10/1991 House repossessed – No contact after moving out from National Home Loans.

1996 Spoke to bank telling them history, checks done and nothing found against our records.

20/5/2003 Demand for £29179.29 with no explanation of what it was for. Phoned number and was told if we paid now they would accept £10000.

21/5/2003 Wrote letter asking for details of debt.

30/5/2003 Received letter stating we were ignoring their letters and if the debt was not settled we would be taken to court.

3/6/2003 Sent letter by registered post again asking for details and pointed out that we were not ignoring just wanted details.

13/6/2003 Received letter stating that due to our continued failure to respond to their numerous letters they had been instructed to begin proceedings against us and this was a final letter.

16/6/2003 Sent letter by registered post again asking for details and stating that we had responded to every letter to date and that information asked for had not been sent.

27/6/2003 Received letter stating that as together we have been unable to resolve the outstanding balance they are sending their agents to visit us within 14 days.

All communications are from Ms K Cameron at Allied International Credit and all replies are addressed to her but she never mentions our letters or requests only that we are ignoring her!

(posted 7579 days ago)

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