Response to please help being chased for shortfall and under stress

DON'T acknowledge the debt Hussain. DON'T fill in an I&E form. Ask them to justify their ignorance of the Council of Mortgage Lenders code of practice about a 6 year limit on chasing shortfalls. Tell them that unless they retract their claim you will take the matter up with the FSA and your MP. DON'T go down the road of negotiting full and final settlements until you have obtained an answer. If they write back ignoring your request for an explanation then report them to the FSA and write to your MP. If the details you have given are correct then I see no reason for you to worry. Turn the spotlight on them and watch them back off.

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