I am confused. You talk about £720 expenses incurred by the lender but now you talk about £720 expenses incurred by the landlord.
I don’t know why there are two £455 charges and I’m sure you’re querying that.
I advise you to pay everything which you agree with which would certainly be one legal fee of £455, hundred pounds solicitors cost, the debt collectors fee of hundred and £80 is not unreasonable although I would be inclined not to pay the second legal fee of £455 or the full £720 depending on what it is. Probably £200 in respect of that is more reasonable.
Then, send a cheque the full amount saying that you making this in full and final settlement of this claim and that by cashing the cheque they accepted as such and that if they do not accepted as such, they should return it to you and proceed to court and you will defend the proceedings. Make sure that you mark the letter at the top, Without Prejudice save as to Costs and then, they cannot produce it in court as any evidence that you admit that you owed this amount for anything at all.
I would itemise what you are paying and the rationale behind why you are paying less than they are asking for if they returned the cheque to you, you need to consider whether you want to risk going to court which will incur further costs if you lose.
When you put your defence into the court, you need to say what you admit and what you deny
Can I clarify anything else for you?
Please rate the service positive. It’s the process by which the experts get paid.
The thread remains open.
We can still exchange emails.