Sample letter

Ask your mortgage lender for a breakdown of account (joint names)

Use this letter when asking your lender for a breakdown of the balance they are claiming that you owe.


21 September 2020

Dear Sir/Madam

Without prejudice

Account number:

Thank you for your concerning the above account.

We do not admit the claim. This letter makes no admission to any claims relayed in previous letters.

In order for us to deal with the matters you raised, we should be grateful if you would supply us with answers to the following points.

When did the arrears begin?
When was the last payment made on the account?
When was any possession order given?
When was the house sold?
What valuations were made on the property before the sale?
What costs were involved in maintaining the property during the period between the repossession and the sale?
How was the house marketed and sold, and at what price?
What costs were involved in selling the property?
Has a claim been made against any indemnity insurance and how much was recovered?
How has interest been calculated from the start of the arrears?

Please supply us with a full breakdown of the balance claimed under the above account.

We look forward to hearing from you.

Yours faithfully