I've been battling with a reposession and outstanding debt for 5 years. The Halifax(and their agents) have been constantly trying to intimidate me into paying up the £17k that 'they' state I owe.(posted 7302 days ago)I've been arguing that they undersold the property, especially as similar houses in the location were on the market for at least £10k more(some up to £16k). I have forwarded copies of these to them and questioned why the repossessed property was sold for so much less. They state that basically this was all they could get for it!
They state that if I am not happy with this them i am to forward them with copy valuations for properties in this location and at the same time and 'actual' sale prices as the leaflets I have sent do not constitute 'real' market values!!!!!. I ask if this is reasonable??? They have sent me the valuations from the house in question, however I am also not happy with the results of this and state this in my letters to them. I am again fobbed off.
I am at the stage now where I would just like to sort this out once and for all and did offer an ex-gratia payment (all i can afford). Obviously they have declined and ask again (for about the tenth time) for income and expenditure details - which I have never supplied.
I am and have been totally unhappy (even before reposession) with the service I have been given.Could anyone give me any advice on what my options are?
Thanks in anticipation