Mel,(posted 7645 days ago)No, I don't think that's right. Where does it say on the site exactly that you should ignore their letters until the court order comes through - then aim for a settlement ? I think you should put the lender to strict proof (as advocated on the site), to make sure they have done everything correctly and can justify all expenses incurred. You may also find something which could help you negotiate a better deal. I don't know anything about your personal cicumstances, but if you have few assets and low income it might be worth considering insolvency. The law is due to change next year under the Enterprise Bill and it will be a lot easier to go bankrupt, even now there are transitional arrangements and discharge will be substantially quicker. If you are prepared to do this you could make an offer of say 390 pounds to the building society (cost of declaring insolvency now) as a full and final settlement. A number of people have settled this way. Even if you are a home owner again it's not impossible to do this.
Mark.