Experto Credite and Royal and Sun Alliance and Halifax

I have had the Experto mob (Matty - please note the phrasing) chasing me for some time for mortgage indemnity claim on behalf of Royal and Sun Alliance. The letters appear to be designed to worry and cause an instant reaction. Fortunately, I have read a lot of the Q&A's on this site and know a good deal about what I should do. What I need to know, is if anyone else has had dealings with them. What is their procedure? The letters are badly written and lift a lot of the wording from the Council Of Mortgage Lenders website on repo's/shortfalls (www.cml.org.uk). Not surprisingly, the bit they leave out, is that relating to not chasing shortfalls over six years old. Mine is well over this time. I am, nevertheless, taking the letters seriously, with a lot of guidance from this site. One insight I have to the RSA/Halifax relationship, is that these two have been virtually joined at the hip in terms of business realationships, for decades. The MIG that we paid for, eared a nice commission payable by RSA to Halifax. Probably not less than 20%; and could be a good deal higher. It was not unusaul up until recently for lenders to get up to 50% on the buildings or contents insurance of the property. So everyone did quite well out of us. I am collating some more information on this which I will post soon on the site; it may help our understanding of the people we have to deal with.

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