Hi all I had my house repossessed by the lenders as my ex (party to the mortgage) had upped and left, leaving me to maintain the cost. I managed for about a whole year after she'd left and then struggled after that. The mortgage was taken out in May 2006, and I didn't miss a payment until I was forced to reduce the payments significantly. As per someone else's thread, I also had little help from them as my lenders, and eventually the house was repossessed early this year. I now live in rented accomodation, albeit paying rent to a family member. I am now the proud father of my baby boy, who, I don't get to see, save through a contact order which allows for a few hours a week. The ex has been and is on benefits. At the time the lenders last spoke to me, they refused to take a forwarding address for her, and stated that it was against DPA. The last I heard from the lenders was the court orders for reposession, and that was it. I'd moved out myself a few months before the repossession. I have now received 3 letters from HL Solicitors and they are stating that I owe them £36k. There is no mention on their letter of her name, and they are threatening court proceedings. After pondering, worrying and losing sleep, (already having lost my house and the £20k that I'd put into it thus far) I have managed to draft and send off a letter to HL.. I was lucky that I found loads of resourceful and help on here, and some of you will see that it is similar to one of the template letters offered by barracad (thank you). I have a few concerns however: :idea:Will I be stumped with paying the majority of what little expendable income I have left in life-long payments to the creditors? :idea:Will they even bother chasing the ex, who apart from losing £5k, got away squeeky clean by literally leaving the house, and all the bills in my name? :idea:Is there something else I should be doing that is not obvious to me? Any advice, help or support would be very much appreciated.. A very dismayed member.. :( thank you all in advance. forumletter.doc

Anyone??

Thanks Palomino. If I was to make an offer of a payment, would they necessarily pursue the other party to the mortgage for a county court judgement, or would they not given the cost of the judgment? also when you say a big if, what are the factors here? (bearing in mind that the deficit is, according to them in the region of 30k).

Anyone able to offer any advice?

Hi all Me and my x have had acrimoniously had our ex marital home repossessed. she is unemployed and on benefits, I am employed. I have recently received 2 letters from HPL solicitors requesting a "non prejudice" payment, or offer of monthly payments for the deficit since the sale of the house. The problem is that I'm unable to clear the deficit, nor am I realistically able to pay them anything, moreover the mortgage was taken as a joint mortgage, and as much as I understand that we are both jointly and severally liable, I don't know where I stand in terms of them chasing me, her, both of us, or just me alone? If she states she has no income, is it likely that they will chase me for the whole amount? is she in a better position than me given she has been on benefits since before the repossession? I really don't want a CCJ, however I would like to know what options I have and what the likely outcomes are to be? i.e., if an agreement is not made with the solicitors, and a CCJ is applied/granted, would we both get one, or is she likely not to get one, as she has no income? Also if I don't contact them soon, are they likely to start proceedings? will they be aware that their were two liable parties, hence are they likely to have written to her too? (when she left the property, the lender would refuse to take her forwarding address from me, as they stated that would be against dpa, hence if the lender didn't have her forwarding address, is it likely that the solicitors will?) I’m very concerned and worried, and to make matters worse, the only reason why the house got repossessed in the first place was due to her denial of communication with me. She refuses to communicate or mediate in any way shape or form. Any advice/help is most appreciated. I am looking to get an appointment with my local CAB, however I have already received the 2nd letter from HPL.