Hi all, this is my first post and I'm hoping for good sound advice. My daughter, through no fault of her own I might add, had her apartment repossessed 3 years ago by the Halifax, it was in joint ownership with a friend. The repossession was done and she was asked to take the discharge letter into the main Halifax branch in Birmingham city centre along with the keys and she was told that was it. Last week she received a letter from the Halifax demanding £22K (as was her former flatmate) stating that it was the amount owed to them after they sold on the apartment. She has no assets now and is currently out of the country and won't return until May 2011.
She's due to marry in April 2011 and is afraid that the debt could be passed on to her husband to be. The question is what are her rights and could they claim the so-called outstanding amount from her husband to be even though the debt was incurred before she met him? Why has it taken them 3 years to decide that she owes them this amount of money? Any advice is greatly appreciated, thankyou.