I am being pursued for shortfall by B&B using Drydens and have not posted anything recently as this case is following a set pattern and I have been able to use the existing information on this site to respond to their letters. I am at the make an offer now or we commence proceedings against you stage with them.(posted 7121 days ago)My query today is about Abbey National who popped out of the woodwork as well to pursue for shortfall on another property. (I left a partner who was to sell the properties and keep any proceeds but as you may have guessed he just did not sell, did not pay mortgages and then was repossessed).
I am unsure how to respond to this from Abbey:- They say, 'we would refer you to the spirit of the civil procedure rules and in particular pre-action protocols. Please clarify your remark "I do not acknowledge this debt". ' This is it in brief. I do not know how to reply without acknowledging the debt. Can anyone help?
Also, I have no share in any property, (it is my husbands only and always has been) no bank accounts or credit cards at all and have not had any for years. I do not work and will not do so as I have many dependents, young and old. Is it worth me telling B&B and Abbey this or should I just wait it out?
I live in Scotland now but the properties were repossessed in Wales and I have no idea if this is of any relevance or none at all!
Thanks in anticipation.
Pat