Thank you for your concerning the above account.
I do not admit the debt. Also, we do not admit any debts mentioned in previous letters.
In order for me to deal with the matters you raised, please can you supply me with answers to the following questions?
When did the arrears begin?
When was the last payment made on the account?
When was any possession order given?
When was the house sold?
What valuations were made on the property before the sale?
What costs were involved in maintaining the property during the period between the repossession and the sale?
How was the house marketed and sold, and at what price?
What costs were involved in selling the property?
Has a claim been made against any indemnity insurance and how much was recovered?
How has interest been calculated from the start of the arrears?
Please supply me with a full breakdown of the balance claimed under the above account.
I look forward to hearing from you.