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Hi, I hope this isn't too off-topic and that someone can advise me. I've just had a letter from my mortgage company HSBC saying they have been told by a third party that I have been letting my flat. Now I told them this in October 2007 a month before the agreement started and have a copy of my letter, and all statements etc have been coming to my current address without comment since. I don't like their tone though, implying I have been deceiving them.
However much more upsettingly they have been told that the property is in a state of disrepair and want to know what steps I am taking to rectify matters. They aren't specific about what they've been told, but in any case I would strongly dispute this. However I'm pretty sure that a malicious neighbour has told them this lie; I have suffered from harassment and nuisance from that neighbour (upstairs flat) since 2000 which is one reason why I don't live there (and am unable to sell). Over Christmas superglue was inserted into my Ingersoll lock there on two occasions, costing £200 to fix and that's the mildest of the problems I've had with her. At one point she was running her flat as a crack den and myself and other neighbours campaigned for an ASBO which we got. Ever since she has been hellbent on revenge. My dilemma is how much of this to tell the bank, who require me to contact them today. Also, I want to see what she has written, because it constitutes harrassment I think, and is a breach of her ASBO. Noone in my neighbourhood wants it lifted as although her general behaviour has improved, she has a criminal boyfriend who would move straight back and start dealing drugs again if it was; he is currently banned from living there.
Oh, and this IS related to debt in that she refused to have our leases updated in 2000 and I had to take her to court to render my property marketable. The whole thing cost £46,000 over a four year period as she was adept at causing the maximum amount of trouble - unfortunately she is a solicitor, though not currently employed. Am very worried and distressed and simply don't know what to say to HSBC. Any help very gratefully received.
However much more upsettingly they have been told that the property is in a state of disrepair and want to know what steps I am taking to rectify matters. They aren't specific about what they've been told, but in any case I would strongly dispute this. However I'm pretty sure that a malicious neighbour has told them this lie; I have suffered from harassment and nuisance from that neighbour (upstairs flat) since 2000 which is one reason why I don't live there (and am unable to sell). Over Christmas superglue was inserted into my Ingersoll lock there on two occasions, costing £200 to fix and that's the mildest of the problems I've had with her. At one point she was running her flat as a crack den and myself and other neighbours campaigned for an ASBO which we got. Ever since she has been hellbent on revenge. My dilemma is how much of this to tell the bank, who require me to contact them today. Also, I want to see what she has written, because it constitutes harrassment I think, and is a breach of her ASBO. Noone in my neighbourhood wants it lifted as although her general behaviour has improved, she has a criminal boyfriend who would move straight back and start dealing drugs again if it was; he is currently banned from living there.
Oh, and this IS related to debt in that she refused to have our leases updated in 2000 and I had to take her to court to render my property marketable. The whole thing cost £46,000 over a four year period as she was adept at causing the maximum amount of trouble - unfortunately she is a solicitor, though not currently employed. Am very worried and distressed and simply don't know what to say to HSBC. Any help very gratefully received.
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