I received a reply - 2 months later although they continually demand a reply within 14 days. Anyhow, they response simply said please find attached a letter from GE Money confirming they had contact from you in Dec 2008. The letter says we confirm you telephoned our offices in Dec 2008 at 14:12 to request an update on your Credit Report! I did ring them to ask them to remove the mortgage from my credit report as it had been cleared as far as I was concerned. I did not admit liability to any shortfall. Where do I go from here? Louise

Thanks But surely the fact they have taken this long to contact me with no contact in between still applies? One more thing as well. When they wrote to me as detailed in my original post above, they lied. They advised they had notification that my IVA had now failed and had been asked to contact me direct. This shortfall was never included on the IVA. Louise

The letter says it was a telephone call. I would imagine to argue the shortfall originally. Thanks

Hi Had a letter back from them, apparently (and I may have done) I contacted them Dec 2008 which makes 6 years this Dec. where do I stand now? How do I reply? Thanks

Will email be ok?

Thank you, I shall respond tonight.

It's GEMoney - this is the first letter I've had.

Hi, I'll try and keep this as short as possible. I have been contacted by DMS attempting to retrieve a shortfall on a house sale from 21st June 2007 (that's right, 7 years ago). The amount is £7,957. I emailed them back with the standard wording "I do not accept liability, please send me a breakdown, this debt is 7 years old therefore you have taken too long to contact me and I don't have to pay", etc. They sent me a statement & breakdown. I borrowed £90k, after Interest (it was an interest only Mortgage), DD Recall Charges, Admin Fees, Additional Interest, Default Notice Charges, etc they mustered up a sum of £113,149.70 (over £23k more than I borrowed). The solicitor acting for them then paid £5,380.58 worth of fees which is broken down but doesn't tell me who to except for £2,070.94 to my Estate Agent who they de-instructed and never used, even tho the house was sold! Our Sol was doing final searches when an old unsecured loan appeared as a second charge which prevented the sale going through so we handed the keys back so the Mortgage company could complete the sale. They instructed they're own Estate Agent and sold the property 7 months later for £117,500. This left me £900. Except then, in a roundabout way, with lots of adding and subtracting they finally added £6,985.90 (7k!!!!) early redemption charges. So that leaves the £7,957 they are chasing. So what do I do? Tell them I'm not paying... Try to claim some of the charges back to drop the balance... Or send the income & expenditure back and offer them a payment... I have till Monday night to respond. Thanks