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| T O P I C R E V I E W |
| Cheryl.tt |
Posted - 26 May 2011 : 15:59:51
I went bankrupt last July, Northern Rock keep on at me for the mortgage arrears even though I have told them I have been made bankrupt, I told them to go after my ex-husband instead who ran up all the arrears and who is refusing to pay anything towards debts. He will not respond to them so they keep contacting me. I thought the house was included in the bankruptcy and they should leave me alone. I am worried after the bankruptcy ends they will still come after me for the debt. |
| 9 L A T E S T R E P L I E S (Newest First) |
| debtinfo |
Posted - 31 May 2011 : 17:57:42
no they are allowed to contact you until the debt becomes unsecured, You are equally entitled not to reply to them |
| cheryl |
Posted - 31 May 2011 : 16:12:34
Thank you so much I have been so worried, I have told NR time and time again I have gone bankrupt so they should not be contacting me but they do not listen. I will tell them again I want the property repossessed. Will they go after ex-husband for deficit if property is repossessed? As he refuses to answer their calls/letters they keep contacting me. I thought they had to deal with Official Receiver and not me as I am bankrupt. |
| Bigal4787 |
Posted - 30 May 2011 : 23:40:13
However, until it's repossessed, they will keep on about the arrears, just reply to NR, informing them(if neccessary again) that you cannot pay the arrears, and simply want to return the property to them for repossession. This is typical of NR, remember they had to be bailed out by the government because they were so badly managed, by the sound of it nothing's changed!
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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| Blackie |
Posted - 28 May 2011 : 19:12:04
Hi Cheryl
That is exactly what would happen if the mortgage was in joint names with your ex husband.
All the best
John Blackadder
Bankruptcy365
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
| RHB |
Posted - 28 May 2011 : 19:10:54
Any shortfall will be covered in your bankruptcy so don't worry. |
| cheryl |
Posted - 28 May 2011 : 17:29:58
I havent lived in property for 2 years, ex husband was going to take it over then let it out without my permission but he hasnt paid a penny to mortgage company, got receiver in to collect money but now no tenants and NR are deciding whether to repossess. I want them to repossess it, I went bankrupt and if they repossess what will happen to deficit in money as in negative equity, I thought as I am bankrupt they will leave me alone and go after ex husband for debt. |
| Bigal4787 |
Posted - 28 May 2011 : 12:19:50
Hi Cheryl.tt
As Blackie says, we need more info about the property, by the sounds of it you're still in it, having thought that any liabilities associated with it would be claimed in bankruptcy, leaving you to live there. However, unless the house has been repossessed, then you and your ex are still liable which is why NR are still pursuing you.
The only other possibility is that if you did give up the house and signed a deed of acknowledgement, meaning that even if bankrupt the liabilities can't be claimed in bankruptcy.
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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| Blackie |
Posted - 27 May 2011 : 07:46:39
Hi Cheryl.tt
I think that we need to know about the status of the property in question. If you still own the house, you will have to pay the arrears or you risk the house being repossessed. Unfortunately both your ex husband and you are jointly and severally liable for the arrears. If he won't pay, then you will have to. If the property has been repossessed, any shortfall to The Northern Rock will be included in the bankruptcy.
All the best.
John Blackadder
Bankruptcy365
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
| Viki.W |
Posted - 26 May 2011 : 16:35:14
Hi Cheryl,
Has the house been repossessed? Has it been sold ny Northern Rock yet?
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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