first can I say thank you to everyone who contributes on this Forum, I have gained so much information from previous threads.
But could I ask a question or two. The Northern Rock notified me of the shortfall just within the 6 years and sold the debt on, yes I'm OK with that, but I have not been taken to court by them, do not have a CCJ, credit rating good, got another mortgage. So has the debt sold to Fairmile Recoveries got any legal standing, I sent a SAR but only got limited info back, statement of payments made by myself and a copy of the deed of assignment.
They made an offer for