I have a mortgage shortfall on my credit file.....
this has been on my file for approx. 3.5 years and I haven't had the chance to dispute this amount as yet.
(I had a buyer that the mortgage company refused to sell to as I would not sign an "acknowledgement" of the "£64k" alleged debt).
If they had accepted the buyer, then this debt would have been approx. £18k,
but they decided to proceed with the repossession (negative equity/shortfall) and this resulted in this amount of outstanding balance of £64,000
They have written to me a handful of times over the last 3.5 years but no action via the court as yet.
As I want to deal with my credit file, would it be wise to instigate communications with them so this amount can be defended & settled via the court?