Dear Sarah,(posted 8127 days ago)I am going to give you some information that I received from the local branch manager of the Nationwide Building Society.
1) If you default on the mortgage, and move to another property, they cannot come after you for a debt on a previous property that they have already sold. The bank has written it off, and been paid any losses through an insurance company policy. If you get another mortgage, the best way is to try to get one in your husband's name to avoid any problems. Technically, they have no claim on you whatsoever.
2) If you're going to move, then move. the fact that they have written to you at your current address is irrevelent. They cannot claim anything against another property. Each house is a seperate issue.
3) Go to a local legal aid solicitor for free advice, or have the solicitor write a letter to Nationwide telling them to get lost.
Hope this information helps you out.
Sincerely,
Paul Arkhamson