Thanks for your help guys, I really aprpeciate it - I just have a couple of questions/ comments:(posted 7016 days ago)1. What is a SARN and how do I do it/ use it....?
2. It strikes me now that my problem is not necessarily a clear cut repo question. I don't dispute that they were owed the money, or that I was jointly and severaly liable - my argument is that they never told me at any stage about the legal action. I took action after the last letter I received from RBS and then heard nothing more from anyone. Maybe I should consult with the Law Society regarding legal guidelines - surely there's something in there about telling someone you're taking them to court so they have a chance to defend themselves....?
3. The delay between their repo action and now is because I had no idea at all it was happening. The first I knew was when the house actually sold (Aug '04) and my dodgy conveyancing solicitor took over a month to send me copies of the final statement from RBS (early Oct '04). At that stage the only thing I knew was that £890 had been added to their account for solicitors fees. That's when I started asking questions - and I only found out it had actually gone all the way to court from a comment RBS made after I complained to them initially.
I have never, ever, had a bad payment record for anything before and I wouldn't have had for this if they'd kept me informed of what was happening.