This morning we received a letter from our mortgage company, the Chelsea Building Society, and I quote:
I am writing to inform you that the Society has received the completed revaluation report. For your information the property was revalued at £215,000.
Although I note that your buildings insurance is not arranged by us, the valuer has recommended that you insure the property for rebuilding for £215,000. Please contact your insurer to ensure that your existing cover is adequate.
The revaluation details have now been passed to our Arrears Department for consideration and they will contact you direct if it is necessary for any further action to be taken.
I trust this clarifies the situation ad also confirm that the above account has been debited with the sum of £65 for the Valuers costs. I must advise that if this fee remains outstanding on your account, it will be subject to mortgage interest from the date that the interest from the date that interest is next reviewed on your account.
To say that we were gobsmacked would be an understatement!
We phoned the Chelsea and spoke to several people (jobs worths!) They said they had been informed that we were bankrupt - we're in an IVA! The girl we originally spoke to had never heard of an IVA! They were just checking on their money to make sure that there was enough equity in the property and had arranged for a drive by valuation and charged us £65 for the privelige! How on earth you can value a property just by driving past is beyond me.
They refused to refund the money, even though we reckon they should not have charged us. They reckon it is company policy.
Next step was to phone our Case manager Wayne, who was also gobsmacked! He had never had this happen before and thinks that we shouldn't have been charged that, and is waiting to see what they say. He reckons it is an unnecessary charge. We are waiting for a further phone call.
Has anyone else come across this?
Sorry for the long post but I am so annoyed - I've even booked the day off work to sort it out!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
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