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What to do when the money left after selling your home won’t cover what you owe on your mortgage.
Find out if your creditor has run out of time to make you pay back a debt.
However you feel comfortable, we can help you make a plan to take control of your debt.
Use this letter when asking your lender for a breakdown of the balance they are claiming that you owe.
Use this letter where your house was sold more than six years ago and you were first contacted by the lender after 11 February 2000.
Use this letter to help you negotiate a full and final settlement offer with your lender. This is a type of offer where you ask the lender to accept part of the amount you owe and write off the rest.
Use this letter to dispute liability if your lender has not contacted you for over 12 years, and you have not made a payment or written acknowledgment during this period.
Use this letter to help you dispute liability for ‘simple contract’ debts. Make sure that you have not made a payment acknowledged the debt within 5 years.
