Property Debt Collection -Issued NOTICE OF BREACH & INTENTION TO ENTER PURSUANT TO MORTGAGE COMPANY

aakingboye004

I owned property through a limited company. Sometimes last year, I got a letter from Property Debt Collection Ltd (PDC) demanding payment of £425.23 concerning debt at my property. I acknowledged that a payment may be due since it is my property though I can't recollect any bill that was not paid since I have owned the property but I needed to know who the creditor was and what was the debt for but they refused to tell me. I called them repeatedly that I was happy to make the payment excluding any charges if they reveal the creditor and I believed the debt to be genuine. I would imagine that it was reasonable to know why I owed a debt and for what reason.

Recently, in December 2021 to be precise, my mortgage company contacted me that PDC is threatening them with legal action. Fortunately, the Mortgage company revealed the name of the creditor. I contacted the creditor( RMG Property Management - RMG)  and they said I have to deal with PDC.

The Mortgage company requested that I write to PDC to explain why I am disputing the debt which I did. My reason was that I was not informed of the charges by RMG, and when I questioned the debt, PDC was not willing to reveal what the debt was for. My Mortgage company said that the case will be frozen till December 23rd 2021, but a few days ago I got a letter from them stating that if payment is not made by 13th January 2022 or If I do not notify them of any dispute ( I have already done this, I was quite surprised), to protect their security they will make the payment and add it to my mortgage. Regardless of what has happened, from what I gathered from speaking to the mortgage company, I think they will make the payments anyway. I have made it clear in my dispute letter to PDC and to the mortgage company that I am happy to pay the initial service charge fees without the extra charges.

PDC has issued a NOTICE OF BREACH AND INTENTION TO ENTER PURSUANT TO SECTION 121(3) OF THE LAW OF PROPERTY ACT 1925 claiming for a sum of £775.23. See fee breakdown below:

£240 in respect of administration fees

£350 costs in respect of the preparation of this Notice

£185.23 service charge fees

Total fees: £775.23

 I spoke to someone who claimed to be a solicitor from justanswer.co.uk, he said PDC is bound legally to issue the notice. From what I have said so far, is there anything I can do? I am thinking of making the full payment if there is no other way and make claim against RMG Property Management for not informing and sending the debt to PDC, but I am not sure if I  stand any chance.

I NEED HELP PLEASE!

RAS

It looks like some sort of service charge for the property you own(ed), with added fees. Try this on the buying and renting forum, as someone may recognise the companies. Link to your post above

And a quick google suggests RMG deal with council properties. Were any of your ex-council/social housing?

aakingboye004

Thanks for the reply @RAS. Yes, the fee is for service charge.

My property is not ex council/social housing, it is normal residential property.