The letters we reproduce below show how lenders treat customers when they pursue shortfall claims.
Case 1: Bradford & Bingley Building Society refuses to answer a customer who questions how it sold his repossessed flat so cheaply before demanding a £36,577 shortfall from him.
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Case 2: Lawyers for Halifax refuse to explain to a customer how it arrived at such high charges after selling her repossessed house and demanding a £12,889.60 shortfall from her.
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Case 3: Abbey National's legal firm asks a customer to pay a £35,672 shortfall. The stated date of sale is incorrect by several years.
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Case 4: An Abbey National customer slowly teases out the errors in Abbey National's shortfall claim despite the reluctance of its lawyers.
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Case 5: An Abbey National customer takes the lending giant on.
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Case 6: Cheltenham & Gloucester/Lloyds TSB tells a customer it is not responsible for its mistakes as they fight over legalities.
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Case 7: A Woolwich debt collector patronises a repossessee before Woolwich backs down completely after the customer serves a Data Protection Act SARN. Compare Woolwich's willingness to back off with Abbey National's apraoch in cases 4 and 5.
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Case 8: Lawyer Davis & Co "misleads" MP Nick Harvey when he asked if Davis was chasing one of his constituent for Grabbey National and not for MAES Ecp No 1 plc, which Davis' shortfall threats claimed.
Davis & Co denies working for Grabbey | CIBC = Abbey National | CIBC also = MAES ECP Plc
Case 9: MP tells Royal Sun Alliance lawyer to lay off his constituent over its MIG shortfall claim
RSA lawyer replies that MP's letter is libellous - part 1 | RSA lawyer suggests MP libel - part 2 | RSA lawyer reminds MP to reply | MP calls lawyer "discourteous"
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