To be honest I didn't know what to do.

I thought that I should oppose it but what we were going to do was wait until a week after it was closed and then hit them with a letter saying they must take the £1700 for legal fees from my account because the judgement was made with no expenses due to or by either party.

That will no doubt be brought up when we recall that case.

When I wrote to them it was after receiving a letter from them saying that my case was being passed to litigation.

When I read it my parents were here and I was almost on the brink of having to call a blue light ambulance due to the angina attack that I had.

I managed to stabilise though but I made them aware.

This latest trick is just vile.

They've included a covering letter saying that they may still be happy to enter into a repayment arrangement if I complete an income and expenditure form and supply them with bank statements, pay slips or benefit confirmation.

I think I'll keep all that personal information for a judge and they certainly won't be getting to see my bank statements.

It just bullying..plain and simple...and all because I asked them to wait until I completed another income and expenditure form.

It beggars belief.

it does

get this all infront of a sheriff

lets also resit this insurance you briefly mentioned...

They stopped adding the insurance a couple of years ago but the premiums are still on there historically.

That amounts to maybe £400.

They say they're not included in the arrears figure and will need to be paid when the mortgage is redeemed.

the monies you paid should be refunded too.

not sure what you mean by the above

Hi there

They wrote to me and told me they were stopping the insurance premiums but the insurance that had been paid previously on my account still stands.

This was because I hadn't sent them a copy of my insurance documents assigned to them.

they just stopped charging and I was left with the payments already made.

They add this into another file apparently that isn't added to the account until the mortgage is redeemed.

It all seems very dodgy to me tbh.

This is part of The Co-operative.

My parents think I should write to their CEO and let them know what their subsidiary is doing.

When all this was going on with the insurance etc I was so ill I never looked into it further.

I have written quite a few letters of complaint but I just get the usual...

.we're within our rights to do this...type of thing.

When you're ill you get to the stage you don't have the energy to keep fighting.

so probably something like building insurance that you already had elsewhere but weren't told they needed to see the policy docs so charged you theirs anyway.

those premiums you've already paid need refunding at their int rate.

but that's probable a side issue but worth including.