Response to SARN info - think I might have caught them out!

Don't write and ask why 3 years,(see first reply from Lee). Remember the lender and recovery agents have experience and knowledge,they will use this to their advantage,and will only reveal information they want you to know,unless you issue SARN against them. They want information to help them,but won't return the same courtesy to you,as it may be counter productive. The info you have discovered could help you at a later date,but don't ask the lender about the three years,you can prepare a better case against them,and if you allow them to think you are less well prepared than you really are,you can use this to your advantage.

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