You've done very well to stay off the phone. Have a good look around the site, there's lots here to assist. Where to start?(posted 8428 days ago)There are a number of strands to this: 1. The sale and the sale value 2. Costs and interest incurred 3. Your ex. Was the property in joint names? Are they pursuing him? 4. The house deeds issue. to name but a few.
I can only talk about items 1&2, which came up when I went through this mill.
1. I queried, in some detail, the way my property was marketed and sold by the Building Society (BS). 1.1 They are legally bound to seek the best price etc etc, but are so crap at this that often you can make considerable headway by querying how they went about selling. Did they do any market research? how many surveyors did they use? etc etc The SARN approach on the Abbey would definitely be worthwhile here. 1.2 When they sell a property, if they know where you live they have to write to you and tell you, also revealing details of the buyer, the price etc etc. I'm assuming they didn't and this also is a legal obligation on their side. 2. Costs and Interest. 2.1 You are entitled to a complete breakdown on the figure they owe you, including a full printout of the mortgage account. 2.2 You can then query the value-for-money on various aspects. 2.3 Interest on the capital can often be discounted on the basis that they didn't write to you six years ago asking for the shortfall ergo they can't claim interest on it, on the bass that you didn't know you owed it to them. Jon in Alderley Edge (solicitor referred to on the site) has had some success with this argument.
You're welcome to email me direct if you like although I'm on holiday next week. Im fairly local as well (Prestwich).
Regards & Happy Hunting
Andy