Yes of course, I will try to keep it brief and to point.
In 1993 I was a financial advisor with Royal Life in Liverpool.
My self-employed contract was terminated by them in November 1993.
At my termination various reasons were cited, one of which that I owed a financing debt with then was for around £8,000.00
As far as I can remember, in early 1994, Royal took a high court action against me, I never even knew as I was in a terrible place, marriage gone, house re-possessed etc.,
The debt had rocketed to over £38,000.00.
I was aware that insurance policies and pension plans had been tampered with, this was not uncommon in instances like mine.
Is that enough so far?
I never had court papers and was given no opportunity to defend myself, the royal used Bermans in Liverpool. The Royal have never given a breakdown in any understandable fashion of how this debt rose to the figure they state. It was my own probing that established that this had happened and I contacted the Royal straightaway, gave a breakdown of income and came to an arrangement to pay £100.00 per month, which I did for 8-10 years. This stopped when the financial markets crashed (I am a mortgage broker) I am anxious of course, but is there anything that I can do to question the validity of what has happened? I am sure that there is a time limit. Would it be reasonable for me to make a request to them for clarity or am I creating more trouble for myself? Clive