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Response to Nationwide - Can anyone advise?

from David Button (davidjohnbutton@supanet.com)
When you handed the keys back with a letter and gave your consent, you did not relieve yourself of the responsibilities of being jointly responsible for the mortgage, and it appears that your mortgagees are still holding you liable. What has subsequuently happened is that either the property has been repossessed because your boyfriend did not continue to pay, or he has handed the keys over too and attempted to walk away. You have been found because you will have been put on the CML repossessed list no doubt and the fact that your name on that ties up with the name on your current mortgage.

Your solicitor should have told you how to go about relinquishing the mortgagees hold over you and if he/she did not, then there appears to be negligence in the advice you were given.

See another solicitor and take the papers you have received, but for the moment do not acknowledge the debt or contact your former mortgagees in any way. This is because if indeed 12 years is up, you can claim limitation on the action and if this applies, you will not be sued for the shortfall.

I think this is a rotten situation to be in and I hope you do get it sorted out - if push comes to shove and you do end up having to pay, try and make sure your former boyfriend is brought to account as well.

Good luck.

(posted 8205 days ago)

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