Just got 2 huge bundles of papers from my SARN - it makes depressing reading. I'm not sure what I'm looking for and there's hundreds of pages - does anyone know what they definitely should have sent?

I am more than positive about the underselling now though - but where will it get me in the end to try to prove this? I'm not sure what interest they should have charged - they stopped when the house was sold.

The most depressing thing is that they've been trying to trace me all this time - and I was unaware of it - I wasn't prepared for all this personal info.

-- (white_ankle_sox@yahoo.co.uk), September 11, 2002

Answers

They should have sent everything they hold! Exactly what you get - and what you don't - varies from lender to lender and case to case.

Check out the Repossession section of the site. There's a page in there based on an email sent by an Abbey National customer who discovered lots of oddities in her SARN response.

Also check out the Do's and Don'ts section. You need the bit about after you have received a shortfall claim.

Good luck

Lee

-- Lee (repossession@home-repo.org), September 11, 2002.

Number the pages so you can prove that the Abbey were unhelpful in the order that they sent you the bundle.Then sort the lot out into sections,ie before and after the repo then into sub sections ie Mig claims,Reciepts for works done, letters to you and others. That way you will be able to follow 'stories' as time went on and hopefully mistakes will be more obvious.We employed this method and discovered an error that allowed us to settle for £1000 without filling in an I&E form.

-- nope (nope@nope.com), September 12, 2002.

Thanks for the advice on sorting the bundles of papers - they are seriously intimidating aren't they?

I knew at the time that the estate agent was selling to one of it's own staff and have found remarks in the notes saying 'there is someting untoward going on but we have no case to answer' after I asked at the time for this to be investigated. I got seriously stiched up by my ex who was living at the property and left it in an awful state - the agents only got the house cleaned up after all the viewings. I don't know where this will get me in the end, as I can't prove what the house could have sold for if it had been advertised properly etc.

They say the shortfall is £40000, so I am only responsible for half of this - so how do I go about negotiating? I offered them £1500 ages ago and they refused, I don't know how to get to a point where I can offer and they might accept. Any advice would be gratefully received.

sox

-- (white_ankle_sox@yahoo.co.uk), September 12, 2002.