Former marital home was repossesed 6 years ago, the first I knew ex had not been paying mortage was when I spotted it advertised in the paper as one of those notices that they had got the best price. Investigated further, there were no details available from the agent selling Halifax so complained to UCB that it had not told me about repossesssing the property and that the agent was under selling. They had to re-advertise it and did get about £7,000 more for it, but I still maintained they undersold it and demanded an investigation. All I got was a letter saying that it had been investigated and that it was all above board.(posted 8227 days ago)Had to argue that the whole debt was not mine, kept providing them with details of ex, which they didn't ever follow up. They had my address at my parents, which I have now moved back to temporarily, although I have changed my name as I've married again.
The last I heard from them was 6 years ago when I offered them £2,000 in full and final settlement or I said I would just declare myself bankrupt. I never heard any more, until now. We've applied for a new mortage through the Nationwide and I said no when asked about repossession (I panicked). I've got a letter addressed to me in my old married name, it's one of those letters where you fill in your earnings. I just want to send it back saying NOT KNOWN, but don't know how much of a coincidence this is. I wasn't aware that UCB were taken over by Nationwide, can they have traced me throug this?
I'm terrified now that I'm going to get accused of fraud with our new mortgage and am tempted to get in touch to offer them a final amount, but don't want to start the 6 years of again.
Any advice urgently required.