Response to Bristol & West took 3.5 yrs to sell property

In order of priority, what you do next is:

1. Read the Repossession and Do's and Don'ts sections within this site 2. Give yourself a week to let what you've read sink in 3. Serve a Subject Access Rights Notice on Bristol & West and also send them a polite letter responding to their last letter to you. The polite letter should ask them for copies of all documentation supporting their claim and say that you are putting them to strict proof of their claim. 4. Read this Q&A section while awaiting their response

What you will have done at this point is politely throw the legal ball back into their court. So the onus is on them to follow the law.

Here's what you will have done: The polite request is simply a right you have when someone claims you owe them money. You don't have to pay it until it is proven to you. So you are saying: prove it to me. (Because if they can't prove it to you, they can't prove it to the court. They know this already so there's no point in telling them this in the letter - it will just make you look spiteful).

The Subject Access Rights Notice is something you can serve on a lender whenever you want. The reason you are doing it here is because you want information and this (theoretically) forces them to supply it. If the lender doesn't supply it, they have opened themselves up to a complaint to the Data Protection Commissioner and given you some evidence that you can put in front of the judge showing how unhelpful they have been (if they ever did take you to court).

Lee

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