Hi,(posted 7927 days ago)My house was recently repossessed without my knowledge (I was away for 6 months travelling). Before I went away I was behind with my arrears by a small amount and agreed with my lender to setup a direct debit from my bank account to pay an amount to cover my mortgage and my arrears. They sent me the mandate out and I returned it. I asked them to contact me if there was any problems at my parents house as they would be able to get in touch. I requested this numerous times in the past and I have letters were the have wrote to me C/O my parents address. So they knew I could be contacted at that address.
When I came back my house had been repossessed. They said they had tried to contact me at my house but did not try to contact me at my parents house. I asked them about the direct debit and they say they never recieved any direct debit.
They are now asking for payment proposals for £4000 shortfall. I have asked them for information regarding the repossession, estate agent valuations etc and they have supplied all information including a breakdown of costs. To top it off they got rid of all my possessions (ok not much but tables chairs etc) and said they werent worth anything. The new owner told me he has sold the stuff when he took over the house to a house clearance firm. It is all very distressing especially since I have made payments for over 8 years and now have no house and another £4000 debt. What should I do???