Hi , thanks for the info DX unfortunately none of the payments show on the statements.......I can get them from bank statements though if this will help

ok thanks, how do I go about reclaiming ?

Hi all , I now have the mortgage details back and there are various charges for missed payments etc adding up to about £3500 there is also interest added at every missed payment , this was an interest only mortgage to keep the cost down. The amount we borrowed in the first place is about the same as the house was sold for by the mortgage company....what advice do you have for me ?.......

ok thanks , will get the SAR sent off and see what happens

There were no hidden fees but I dont have any details of the mortgage now , foolishly I got rid of them after we moved

Hi dx thanks for the reply.... The story is that when our house was repossessed there was a difference of £21,000 between what we owed, including charges for missed payments etc and what the house was sold for.. .the mortgage company got in touch with us about a year after the repossession and asked for the money. We told them we didn't have it so they passed or sold it on to DLC and we made an arrangement to pay them monthly.. .the debt is now £19,000 and we just keep reviewing every 6 months but now scotcall are chasing my wife for this same amount even though I have an agreement with DLC. ..what should we do now ?

Hi , the debt is for the balance of our mortgage when our house was repossessed and sold . I know we have to pay this as there was a difference between what we owed and what the house was sold for. This happened just over 3 years ago and we have been paying DLC for about 2 years now, they send a letter every 6 months or so and review our payments, trying to put them up, then we get a letter with our pay arrangement on it , subject to review in 6 months time. Each time they review they want to run through our finances. Can scotcall chase my wife for this debt if I have an arrangement with DLC ?

Hi all..... My wife has just had a letter from scotcall saying they are going to send someone round about a debt we have... I have an arrangement with another DCA , DLC to pay this debt monthly and am happy to pay this as it is owed by us jointly. I rang scotcall and they said that they had been passed my wife's details by DLC and they could chase her for it. I pointed out to this person that I had an agreement with DLC , his reply was " she hasn't so we are chasing her ". I then told him that he had no right to send someone to my door without an appointment and if he did I would call the police, his reply was thanks for your time and he hung up... What should we do as we are already paying back this money to DLC and don't want to pay someone else as well Any help would be welcome Thanks

Thankyou for the information , we know that we do owe the money , itsjust the way they are going about it that is getting my back up , I don't have the spare cash for them and have paid them £2.00 and set up a DD for £2.00 a month ........ is this the right thing to do ?