many thanks for your replies

many thanks e o j, this has been a nightmare, my ex is refusing to pay anything towards the loan although it was taken out at his instigation. I just hope that somebody out there in cyberspace can give me some sound advice ......

i am in a similar situation where my ex husband went bankrupt in January and i have just been offered to buy his beneficial interest for £212. We also have a secured loan on the property . if i purchase his beneficial interest will he stop being being liable for his half of the loan?

ok many thanks, i'll give that a go

It did have but as it was in my ex husbands name only, we cancelled it after about a year as it wouldnt have covered the one illness that he suffered from.

Re: First Plus and repossession Hi Have just joined this forum as i have read a lot of issues with First Plus. I am hoping that someone can give me some advice as i feel i am going rnd in circles. My husband and i split up 19 months ago and it was agreed that i would stay in the matrimonal home whilst paying the mortgage and household bills, he would continue to pay the first plus loan which we took out at his instigation in 2007. Everything was going fine until January of this yr when my ex informed me that he was no longer going to pay the FP loan and that he had applied for bankruptcy, which has now gone ahead. I have had numerous phone calls from FP about this loan which after 57 phone calls including one at 10.45pm on a sunday night i turned the answer machine on. I ahve spoken to FP on 3 different occasions offering them a payment and have written to them 5 times. I have had no response to my letters nor will they agree to my offer of payment. I cannot afford to pay the whole amount each month so have offered them an amount for 5 yrs and then would pay more for a further 10 yrs. After this period of time i would have paid back £40k plus in interest. There is NO equity at all in the property which i have advised FP of this so think it pointless if they repossess the property. Although my ex has gone BR the secured loan is not included as it will only be included if the house is repossess which would make it an unsecured loan. He is also refusing to contribute towards payments to them. The mortgage co cannot remove his name from the mortgage but have been willing to help me in the short term I suffer from panic attacks and depression which is being made worse due to all this ( my ex is divorcing me on these grounds which i am contesting until the finances are sorted.... ) Please can somebody give me some advice so that i can start to sleep again instead of staying awake thinking i am going to loose my home Many thanks Jackie

Hi Have just joined this forum as i have read a lot of issues with First Plus. I am hoping that someone can give me some advice as i feel i am going rnd in circles. My husband and i split up 19 months ago and it was agreed that i would stay in the matrimonal home whilst paying the mortgage and household bills, he would continue to pay the first plus loan which we took out at his instigation in 2007. Everything was going fine until January of this yr when my ex informed me that he was no longer going to pay the FP loan and that he had applied for bankruptcy, which has now gone ahead. I have had numerous phone calls from FP about this loan which after 57 phone calls including one at 10.45pm on a sunday night i turned the answer machine on. I ahve spoken to FP on 3 different occasions offering them a payment and have written to them 5 times. I have had no response to my letters nor will they agree to my offer of payment. I cannot afford to pay the whole amount each month so have offered them an amount for 5 yrs and then would pay more for a further 10 yrs. After this period of time i would have paid back £40k plus in interest. There is NO equity at all in the property which i have advised FP of this so think it pointless if they repossess the property. Although my ex has gone BR the secured loan is not included as it will only be included if the house is repossess which would make it an unsecured loan. He is also refusing to contribute towards payments to them. The mortgage co cannot remove his name from the mortgage but have been willing to help me in the short term I suffer from panic attacks and depression which is being made worse due to all this ( my ex is divorcing me on these grounds which i am contesting until the finances are sorted.... ) Please can somebody give me some advice so that i can start to sleep again instead of staying awake thinking i am going to loose my home Many thanks Jackie