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About Me


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  1. Hello, having been in a similar but not identical situation I wanted to put a thought to the forum for some input I am a joint property owner with a bankrupt and although the property is in negative equity by approx 30K and therefore not affected by a sale the scenario has bothered me from the beginning. I was amazed to learn that your property can still be sold even if you are not bankrupt, i.e. only a non bankrupt co-owner, i.e. your property can be sold to pay off someone elses debts and all you get is a letter from a trustee telling you resistance is futile and if sold you get the cash for your 50% of the beneficial interest Now my thoughts on this I would like to put to the forum Would such a forced sale of your property not contravene your Human Rights , the basic human right of safeguard of your property and a safe home ? (Only looking at this issue from the point of view of non bankrupt joint owners, keeping in mind this can nowadays be some friends who bought a property together, not even spouses / husband & wife) Would a forced sale not be in conflict with their human rights as they may not agree to this sale and would loose not only their property but also their home and place to live through no fault of their own ?
  2. I have a secured loan on my home which is currently in arrears (the company say arrears of £9000) but this is made up in part with excessive charges, compund interest, visits from 'mortgage counsellors', etc.My first charge (mortgage) is up to date and never been in arrears.The second charge is threatening litigation, reposession, etc. What is the worst that they can actually do? My home is in Scotland.Thanks for any advice.
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