# NEGATIVE EQUITY COMPLAINT LETTER
Date: 14 September 2037
Parties: Samuel Green and Albion Mortgages plc
## 1. Purpose and parties
I complain about the valuation and subsequent handling of my mortgage for 3 Park Crescent, Birmingham B29 6JP. The 2029 valuation recorded £278,000, but comparable sales and an independent RICS report obtained in 2037 indicate a market value of about £205,000 against an outstanding balance of £232,000.
## 2. Facts, scope and terms
I do not say that a valuation is guaranteed to remain accurate or that the fall in value alone proves negligence. My concern is that the lender rejected my request to discuss a voluntary sale without explaining the shortfall policy, while continuing to add interest and fees. Please provide the valuation instructions, complaint review and options for an agreed sale or repayment plan.
## 3. Process and responsibilities
Preserve the original valuation, later valuation, affordability information and account history. Please give a final response and explain any Financial Ombudsman Service route. I ask for a fair review, not automatic debt cancellation, and reserve rights regarding any proven error, unfair fee or loss.
## 4. Evidence, records and safeguards
The parties should retain the relevant contract, notice, invoices, records and correspondence, and restrict access to personal or confidential information to those who need it. The stated amounts and dates are fictional worked-example facts and require checking against source records.
## 5. Review, escalation and outcome
If the issue is not resolved, the parties should identify the appropriate next step, which may include an internal process, mediation, court or regulator. Silence or part performance is not treated as acceptance or waiver.
## 6. Reservations and practical protections
This document is a general fictional example, not individual legal advice and not a guarantee of eligibility, liability or outcome. Where necessary, an independent professional should check the facts and current law.
## 7. England and Wales law and completion
This completed fictional sample is made on the date above under the law of England and Wales and subject to mandatory protections. It does not exclude any right, liability or remedy that cannot lawfully be excluded.