Firstly both Elizabeth and I would like to say a big thank you to all who have visited our postings on this website, over a considerable period of time, given staunch support and good advice ~ THANK YOU SO MUCH.

You will be pleased to see, from the letter received from Mortgage Express today and printed below, that they have decided to accept our offer ‘in full and final settlement’ of their alleged shortfall. Below this we have printed our reply. This was great news for Elizabeth, when I visited her in hospital today, and I am sure will provide a wonderful boost towards a recovery. She is far from ‘out of the woods’ yet, however I am hopeful that this will be one of those steps towards giving her the will to continue living and not give up just yet.


PS Sorry not to include the two letters ~ the server will not allow that size of file. I shall try again later.

-- mike (, January 12, 2003


Here is ME letter ~

Mortgage express A wholly owned subsidiary of Bradford & Bingley Group Our ref GC xxxxxxxxxxxxxxx xxxxxxxxxxxxxxx xxxxxxxxxxx xxxx xxxxxxxx xxxxxx

7 January 2003

Dear Mr & Mrs xxxxx

Re: Account Number xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I acknowledge receipt of your letter of 22 December 2002 in respect of the above.

I refer to your letter of 24 May 2000 in which, as you say you advised us of your health problems, which you did. However you did not go into any depth, indeed you provided only a single sentence in this regard and have made no further mention since, until our specific enquiry.

I have of course updated myself with the current postings on the web site and note that for the sake continuity you have posted both my letter to you and your reply. The only comment I would make is not in the posting, I have no objection to that or the posting of this correspondence, but I would think it good manners to delete my name details as well as your own.

Be that as it may, I confirm that we will accept your offer of a cheque for £1,500.00 in full and final settlement against the shortfall of £28,146.87 and will provide a letter of satisfaction upon clearance of the cheque.

Yours sincerely

xxxx xxxxxx Project Manager

Correspondence address: Telephone 0870 6013220 Fax 0870 6013228 DX 21761 Skipton

Mortgage Express acts as Administrative Agent for 1 Providence Place Bradford & Bingley plc, HSMS Registered No. 1192730

-- mike (, January 12, 2003.

Here is our reply ~

xxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxx xxxxxxxxxxx xxxxxxxxxxxxxxxxxxx

xxxxxxxxxxxxxx xxxxxxxxxxxxxxx email: 8th January 2003.

Mortgage Express. 1 Providence Place, Skipton, North Yorkshire BD23 2HL For the attention of Mr. x. xxxxxx (Project Manager) 1 page by Recorded Delivery.


Dear Mr. xxxxxx,

Your Ref: A/C xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx

Thank you for your letter dated the 7th January 2003 accepting our offer of £1,500.00 in full and final settlement against your alleged shortfall claim of £28,146.87.

We therefore enclose our cheque, dated 22nd December 2002 and for the sum of £1,500.00, in full and final settlement subject to the following conditions ~

1. We do not accept any liability for your alleged shortfall claim of £28,146.87.

2. We require a letter of satisfaction from you upon clearance of the cheque, stating that neither you, nor any third party, will contact us at any future date regarding this matter.

3. We require you to update all credit reference agency files with the fact that this alleged debt has been ‘satisfied’.

Yours sincerely,

x. x. xxxxx. & x. x. xxxxx.

-- mike (, January 12, 2003.

Dear Mike,

This is great news and I am very, very pleased for you. I do hope Elizabeth is hurrying along down the road to recovery and as you say this can only go towards aiding her.

All the best for the future.

-- Chris (, January 13, 2003.


This is excellent news, and please wish Elizabeth a full recovery on my behalf.

Best wishes, Mark.

-- M Amos (, January 13, 2003.

Congratulations Mike and Elizabeth,

Excellent news and I hope it helps Elizabeth to make a full recovery very soon.


-- One Angry Mother (, January 14, 2003.

Moderation questions? read the FAQ