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  1. Hi Guy's, I'm not sure how to play this one, I bought a property with my ex back in 2007 for around 95K (In Scotland) To cut a long story short we separated, she left and went into a "trust deed" Nram wouldn't remove her from the property and I was basically left to pay the arrears at the time and the mortgage while i wasn't living in it. I tried and tried to take the property in my name, my only chance was to then rent the property out pay the arrears.... moving on the house was repossessed about a year ago and they undersold it at 80K, no payments have been made for exactly 6 years! They only actually defaulted the account about a year ago! NRAm are after 105K - yes 105K which is probably about what we borrowed originally, I don't have a breakdown of the fees / costs / interest but I will request this tomorrow. They only just started to chase the balance today, and they are now telling me that they will now pass to a debt collector if I don't reply within 60 days I have no assets, and I am just out of work this week - so they are not going to get anything. I have tried to make arrangments in the past but they have always declined, they wanted to repossess. Facts The property was empty for 5 years No payment been made in 6 years I can't get hold of the ex to see what she thinks credit file should have been defaulted long before it was? Cheers
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