Mortgage shortfall/negative equity £64k

[Happyandcontent]

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?

[Happyandcontent]

Any advice please?

[caro]

Sorry this has been overlooked. Probably best to get all your information first with a SAR and take it from there.

 

 

There are some useful templates in the library that will help you.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges-**Correct-as-at-October-2013**

[Happyandcontent]

Ok, thank you. I will do this next week and revert back on here with all info....