All the usual history - bought 1 bed flat with husband 1990, paid £55K, 100% mortgage. Had baby 1993. Halifax unhelpful as far as moving. Handed keys back as per Union Finance advice 1995. Split with husband 1997.(posted 7885 days ago)Addleshaw Booth and Co hassled me in 1998. I supplied info requested, re work and earnings, etc and asked for MIG docs - none sent, but received a "statement" saying I owe £30,832, which I refuted. Also said I felt Halifax had undersold the property. They said the costs were £2213, I agreed to pay HALF on the condition they chased ex husband for other half, and set up direct debit to AB&C in 1998. Moved house and jobs loads of times since and heard no more. Ex husband has not been contacted - EVER.
Got a letter on Monday from Counselling Intermidiary Services Ltd acting on behalf of Halifax saying I owe £30,232. I have immediately cancelled standing order to Addleshaw Booth & Co, which was £10 a month.
I am composing a letter to ask for SARNS - I take it I start with the Halifax and work down through AB&C and CISL? Do these cost £10 per company or can I get info from Halifax. Am also asking CISL to get MIG, endowment and mortgage docs. Plus house sale paperwork as I KNOW they undersold by 6K.
I am unsure of route to take as do not want to waste money unnecessarily - do I go through Counselling Intermediary Services Ltd, or direct to Halifax? Am prepared for intimidation tactics they are likely to use, but any advice would be welcome.
Tracey