I wonder if anyone can please help or advise about this situation.
I have a home that I currently rent out and the mortgage is paid up to date etc.
I had some financial difficulties when everything crashed in the late 2000's.
I missed one or two mortgage payments due to being out of work a long time ago, probably 5-6 years.
The arrears were paid up almost immediately and have been on time ever since.
I have lived with my girlfriend for 4 yrs and have let the house for that period.
Today I received a letter from HSBC for the full balance for the property, a FINAL DEMAND.
I dont know why they would send such a letter as, like I said I am all up to date.
I am wondering if because I should have let them know I was letting the house
I am now in default, and should have been converted to a buy to let mortgage.
If anyone could shed any light on this I would appreciate it. Thanks