can we have the full background as to how you owe £3000 please? I'm wondering what the relationship is between any alleged arrears and payments which have not been applied. Are you thinking that you may not be in arrears?
If the unapplied payments from the lender were made in 2007 as stated on the letters then the amount in arrears would be less then £200.00.
I requested for a statement going back to when the lease was taken. On it payments made by the handling solicitor at the time has been omitted including the monies paid by the lender.
I owe 200.00 if all payments are applied and 2700.00 is the payments are not applied