I am currently being chased for a shortfall which never would have existed if my ex had not have trashed the house. The shortfall is £15,000. I obtained a Warrant for Possession last year against my ex which meant I had control over the property. I tried to hand the house voluntarily to the bank as I believe they didn't need consent from my ex. They claimed they did write to him and he refused. They then advised my to market the house privately.(posted 8007 days ago)I did this at offers over £25,000. I received an offer for £19,000 and wished to take it as the mortgage was in arrears and the property empty. I approached the bank and they refused to sell it. They later repossessed and then sold it to the same buyer via the estate agent I had chosen for £17,000. So now I have repossession against my name and they are trying to make me pay. I have asked them prove the debts and answer my questions i.e an independent valuation. The bank and a division of theirs 'Colleys ' valued the property at £15,000 or under and compared it with properties of a completely different type (two up two down pit cottages in a less popular area) my house is semi detached bungalow in a popular area. How can that be.
They have offered a good will jesture for me to pay £5,000 but they still will not give me any answers to the question i.e. why was it sold for £2,000 less my original offer. Why wouldn't they accept the offer I had. I feel that the repossession should be lifted but they just keep demanding I fill in the Income & Expenditure form it even asks for my partners wages and child benefit. They said if I don't fill it in they will make me liable for the £15,000 I don't even know whether they have chased my ex who earns in excess of £50k per annum. The shortfall is more than what I earn in a year. He evens owes me £7,000 CSA money. Any adive on where I stand or if the Halifax are wrong!!!!!