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Hi,
basically I split from my ex partner back in 2010, we were jointly on the mortgage, she moved out and continued to contribute for a few months and then stopped. I tried to negotiate a way to buy her out of mortgage but she chose to ignore me. Anyway long story short I could not afford the whole mortgage payment myself and the house got subsequently repossessed in 2012 and is now sold.
I have now (finally) received the final breakdown of costs from the lender.
There are a couple of items on there which I am unsure about for example the repair costs following a break in. This was £1,300. Surely it is the lenders responsibility to ensure the property is secure and pay for these costs? Any thoughts on this please?
Also I have asked for the valuations and they have stated they are not at liberty to disclose!? Surely they should provide these as the house has sold far less than what the expected market value would have been?
Next step is to write back but I want to make sure I am not acknowledging the debt, what is the best way of doing this, would adding 'without prejudice' be sufficient?
Any thoughts on above would really be appreciated before I decide what the next step will be. I ideally want to work it so I am in a position to make a full and final settlement offer. I want to avoid legal action and CCJ if I can but I certainly don't want to be paying additional costs on the bill if I'm not liable for them.
Any advice would be greatly appreciated.
basically I split from my ex partner back in 2010, we were jointly on the mortgage, she moved out and continued to contribute for a few months and then stopped. I tried to negotiate a way to buy her out of mortgage but she chose to ignore me. Anyway long story short I could not afford the whole mortgage payment myself and the house got subsequently repossessed in 2012 and is now sold.
I have now (finally) received the final breakdown of costs from the lender.
There are a couple of items on there which I am unsure about for example the repair costs following a break in. This was £1,300. Surely it is the lenders responsibility to ensure the property is secure and pay for these costs? Any thoughts on this please?
Also I have asked for the valuations and they have stated they are not at liberty to disclose!? Surely they should provide these as the house has sold far less than what the expected market value would have been?
Next step is to write back but I want to make sure I am not acknowledging the debt, what is the best way of doing this, would adding 'without prejudice' be sufficient?
Any thoughts on above would really be appreciated before I decide what the next step will be. I ideally want to work it so I am in a position to make a full and final settlement offer. I want to avoid legal action and CCJ if I can but I certainly don't want to be paying additional costs on the bill if I'm not liable for them.
Any advice would be greatly appreciated.
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