I've followed the advice on the site and have asked the Abbey for proof of the alleged debt for several months. I've found a few inaccuracies and the usual underselling of the house. they've been settled by the MIG and have reduced the shortfall by 50%.(posted 7782 days ago)In response to a recent letter from them urging me to re open negotiations with DLA, I wrote back to them with a list of the outstanding information I said I required to enable me to understand why I owed this money. It was a lengthy list (mortgage deed, copies of all original invoices, copies of the original valuations, MIG info etc).
The reply I have received tells me that they have discussed the matter with a Mr Humphries, their Data Protection Team and the Lawyers who handled the repossession and that they consider they have give me all the information to which I am entitled.
They say they cannot give me copies of original documentation because
"as when the mortgage has been redeemed,it is our policy to transfer the file on to microfilm and the original file is destroyed. You have however been supplied with copies of all the information that is available to you under the Subject Access Request procedures"
They then go to ask that I make contact with DLA ....
What do I do now????
What should I do first???
Do I offer the £200 I have as savings (I'm on incapacity benefit)? Do I complain to the Information Commissioner? Do I complain to the FSA?
Do I write back and tell them I'm lodiging complaints with the FSA and IC before I offer the £200?
I am panicing a wee bit as I feel I'm at the end of the road !!!
Can someone point me in the right direction please? n no