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DLA, ABBEY NATIONAL,In response to my last letter.

from Gary Gudgeon (nicola@ggudgeon.fsnet.co.uk)
In response to the last time we asked a question on this page (06/01/01) we sent a letter to DLA asking them to send us proof of the debt. We asked them to send us copies of the morgage deed the MIG policy and the money judgement order. We recieved this reply today (20/01/01) and don't know how to respond. They are asking us why we require a copy of the Morgage deeds, are we denying having the mortgage,(remember we did offer £2500 to end this matter). They say that they do not keep the deeds as they are passed on to the relevant lenders when ownership of the property changes. They also say whilst that they do not wish to be unhelpful or obstructive they are not able to provide a copy of the MIG policy as this is contract between the lender and the insurance company. On the money judgement order they are saying that as we gave up voluntary repossesion through a company called union finance, there was no money judgement order. What does all this mean? Just a little bit more information to help us resolve this problem, In one letter earlier last year it states that they never sent out appropiate information on the sale of the flat. Please could you also explain something to me? The abbey national origionaly sent us a letter stating that we owed £32000, Now one year later it has gone down to £14000. So even if it was undersold or fees exceptionaly high surely the difference in this amount would be seen by a court as enough money taken of the origional debt. Please help as we find this site very helpful and would not have a clue what to do if you did not provide this service.
(posted 8469 days ago)

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