Thank you. I've attached another couple of letters (sorry there's so many). I asked for a full breakdown of their charges in January this year and received a letter back saying they were charged £1,500 for the sale of the property, the same agents who were charging me £750 plus 20% VAT? They say they had to pay £65 for the EPC, I had already paid the estate agents this upfront and left the certificate on the side! A neighbour told me my bathroom window had been smashed but really...£300 for a tiny bathroom window?? The house was left in an immaculate condition when I left and everything was removed so where they are going with such large amounts is beyond me. I'm still not sure if I have any way fighting this though because of the CCJ that was granted. How I wish I was in a better mental state when all this was going on...grrrrrr.

Thank you so much Sabre. I'll take a look at the Subject Access Request now and get on it. Have they got to send you this information out by law?

Hi Sabresheep, I'm not sure what the total amount of charges were. The last statement I received was early January 2013 then a redemption figure was sent out in March as I thought I had a sale of the property, sadly it fell through and the suspension of the mortgage repossession was lifted and they went for repossession. I've attached the statements and redemption letter. I heard nothing from them until the September saying the property had been sold then the final breakdown of charges which I've attached above. Thanks for replying x

Hi, I've written on a previous thread about my home repossession just under two years ago, thought I would update and let off some steam as I don't think there's much else I can do now and I'm still so angry with the swiftness in which the mortgage company swiped away my home of 25 years. All for mortgage arrears totalling £560 quid. after losing my job, my son moving away and unable to pay the mortgage the house was repossessed in May 2013. I heard nothing until September 2013 when a letter arrived stating the house had been sold and there was (just under) a £10,000 shortfal l and how would I/we like to pay this back. Also included was the income/expenditure forms to return. I was in complete meltdown at this point, not only had I lost my home I had to move away from family/friends in order for me to be rehoused. Next thing to arrive was a CCJ for the mortgage shortfall. At this stage I contacted the CAB and the young girl told me I should accept liability and offer a small payment of £5 a month which they accepted. It was only after the CCJ that I decided to contact the mortgage company and ask for a full breakdown of charges. I've tried to attach it on here, hope it works. The house was repossessed and sale completed in a matter of around 90 days. It was sold for £45,000. £25,000 less than I had originally had it up for. The sale was enough to pay off my mortgage debt of £40,500. The other £10,000 (just under) is/was for their charges. I've still not paid them a penny, I feel totally pi$$ed off with the whole thing. They have taken my home, I am now living in rented accommodation miles away from my family and have no assets. I've written to them twice asking them to wipe the debt off but they point blank refuse. I'm so annoyed with myself at not taking these ba$tards on when they went for the CCJ. All this heartache and constant hassle for £560 mortgage arrears. They can't have what I haven't got! That's about it....rant over, thanks for reading and letting me let off some steam on here. x

Thanks for your reply citizenB. I spoke to someone from StepChange Debt Charity who said going bankrupt wasn't an option but to offer £1 a month to all creditors until my situation improves. I went to court a couple of times to get the repossession order suspended and know they added a small fortune for their solicitors costs onto the mortgage each time but thought the £3,000 surplus from the sale of the house would cover that. My mortgage was only £200 per month so it's shocked me that I still owe them nearly £10,000 especially as it was sold so soon after repossession. I will send the letter asking for a complete breakdown of the sum they are pursuing me for but know they sold it through the same estate agent I had it up with and their selling fee was £950.

Hi all I'm in a right mess and would be really grateful of any advice. I took out a mortgage 4 years ago for £42k but didn't have enough with just my wages so was advised by mortgage company to get my son to come on it with me. God how I wish I hadn't! Things changed so quickly about 16 months ago with me losing my job and my son moving away. After a long battle my home was finally repossessed last April and sold the month later for £45k. I had tried to sell it privately and the original valuation was for £70k but I dropped it a few times for quick sale but sadly no buyers. It was an interest only mortgage so nothing had actually been paid off the original debt. I've now had a letter from the solicitors of the mortgage company claiming there was a shortfall of £9,543.18p and enclosing a form for me and my son to fill in with regarding our income. Due to ill health I'm now claiming ESA and have no idea of my sons income. I'm renting from a housing association and have nothing. I'm at my wits end as my son knows nothing about this. I've also started getting letters from various debt collection agencies demanding payments on credit cards ect and not sure how they have managed to get my address as I haven't registered my name on the council registration form. I did speak to someone about going bankrupt but they said I can't do this as the court wouldn't accept it because I have more going out than I have coming in? Sorry for such a long post but I'm desperate and don't know where to turn.

WOW! Thanks for that link, I had read many complaints but never seen any pics of their 'workmanship'. I actually called up my bank and cancelled the cheque, they asked who the cheque was made out to...I said 'Moben' and the woman said 'ah say no more!' I sent a letter recorded delivery to Moben saying I wished to cancel and that the cheque had been stopped, heard no more from them till 10 days later when a surveyor called round to survey the kitchen! He informed me that he hadn't been told of any cancellation and that my kitchen was due to be delivered in 5 days time, unbelievable. He went on his way and the next day I received a message on my phone could I ring back and make an alternative date for the surveyor to call and rearrange the fit date for the kitchen!! Obviously no communication from one office to the other. Last week I got a call from Moben again, the guy on the phone said he had just got my letter of cancellation, nearly 2 months after the letter had been sent!! In all fairness the guy was really nice and apologised for their lack of communication with each other, even so I still think I had a lucky escape with this company I've never seen as many disgruntled customers write in over any one company.

Nothing at all about any cancellation on the order form I signed accept in paragraph 5 where it states : The company will arrange for a technical surveyor to visit the customer's premises for the purpose of measurment and survey of the premises,plumbing,drainage and other services. If, following such a survey, it becomes apparant that the installation has been underpriced beyond the reasonable expectation of the agent then the Comapny will inform the Customer and both parties will attempt to agree a revised price for installation. In the event that a new price cannot be agreed then either party is entitled to terminate the contract whereupon any monies will be repaid in full. A revised price?!!! It's already costing £5,570!! I hope they do least I could get out of it then! I didn't sign for any credit or finance with them as I was going to get a loan from my own bank, I wish I would have now, at least I would of had some legal rights! I have also realised that I have to pay upfront once the delivery of the kitchen has been delivered and not on completion which is another worry after reading all the nightmare stories of incomplete kitchens and them using cowboy fitters. I'm not sure how much clout Qualitas has but according to the terms of trading they are part of this so there may be a little light at the end of this dark tunnel. I still find it incredible that the 7 day cooling off period isn't applied to everybody and it will make me check and double check EVERYTHING I go to buy in future!

Hi all...I'm a newbie on here and also at my wits end. I've been totally stupid and feel like kicking myself...here's the story so far...Last week I asked for someone to call round and give me a free quotation for a new moben kitchen, the guy called the next day(Sunday) and designed my kitchen then quoted me for £5,570. I stupidly agreed to this without doing any kind of search grrrrrr...he then asked for a 25% deposit which I gave him in a form of a cheque £1,400. I've been online and the reviews for these kitchens are awful, how I wish I would of done some research earlier but hey ho..I didn't. I've now been onto the consumer direct help page and it's stating that because I 'invited' this guy into my home I don't have and legal rights and can't cancel! I've checked and double checked the order form which I signed on Sunday and moben don't offer any kind of 'cooling off' period. I'm at my wits end, what would happen if I just cancelled the cheque today and wrote to explain that I couldn't get the finance from my bank? Would they be able to take any legal action? HELP!