BM chasing for Shortfall - Does it ever get better?? PLEASE HELP..

[one20]

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

[42man]

Have you considered making the request official via way of a SAR ? (Subject Access Request)....

[one20]

42man

 

thanks for your reply. How and what would I be able to request?

[Justhadenough]

First thing you need to find out is how they arrived at the 36k.

 

If you are in rented accommodation, do you have assets, savings ect.

[one20]

I don't have any savings or assets. My car is worth about £600 if that. I'm currently renting my brother's house and am paying him rent. Am I wrong to assume that worst case, they will ask me for me income/expenditure and then work out how much they can take off me? will that amount have interest on it, or will it be so much a month off the fixed 36k. Also, will they make me pay the whole amount or will they chase her for any of it too?

 

thanks all in advance.