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Abbey National - Shortfall Harassment

from Hope Davies (hopedavies@hotmail.com)
Please can you HELP!! I am at my wits end with worry! About 7 years ago my husband lost his business, he went bankrupt. We had to stop paying the mortgage, and for 4 years we heard nothing from Abbey. Then out of the blue we received a court summons, we attended court to be faced with the fact Abbey had no paperwork for the repossession of our house. Abbey National's rep even admitted in court that she had no paperwork and was not prepared. When the judge threw this out of court she admitted to us it was an administrative blunder, one part of Abbey thought the other part was dealing with us. She then told us that "Abbey would never come after us and you cannot get blood out of a stone, they only go after people who they think have got money" and told us some stories about people who have tried to pull the wool over Abbey National's eyes. About 4 months later we went back to court, this time they had the necessary paperwork for repossession and they took our house and sold it within 1 month. We had a mortgage for £86.000 and they sold it for £90.000. When I received the final documentation they wanted £28.500 shortfall.

Since then I have had every threat you can imagine, from taking me to court, to bailiffs, to contacting me in work (I do not know how they got my address of where I work)and every debt collection agency harassing me (the most current being DLA Solicitors of Bradford).

Recently, I have received a letter from DLA saying I can pay £50 per month or £4.500 lump sum. So naturally I want this to end, so I said "I cannot afford £50 per month but, I will endeavour to find £20 per month" to pay off the £4.500, so I sent the letter off.

A week later, I received another letter stating that they want £50 per month or a lump sum of £4.500. But they will accept my £20 a month on the understanding that the final amount payable will now be £14.250.

Can someone please tell me how I can go from £28.500 to £4.500 to £14.250? (Can you get blood out of a stone?)

(posted 8513 days ago)

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