Clare,(posted 7960 days ago)I would suggest that for starters you read through the information on the website and get an idea of what others have been through, how the lenders act and react against you and how you can deal with this.
Unfortunately, when couples have split up, lenders tend to chase whoever they can find first, or whoever they think they've a chance of getting money out of. It has been known for a lender to chase and get money out of one party and then go after the other.
You say that your husband hasn't made any maintenance payments and that he had also been bankrupt. Usually bankruptcy lasts for 3 years, sometimes less and the person can then start again with a clean slate. As far as I am aware, if a bankrupt is liable for maintenance payments, then those payments still have to be made.
I would suggest that you get in touch with a solicitor, someone who's on the Law Society's Family Lawyers panel, so you have a specialist and get the maintenance sorted out. It doesn't matter if your ex doesn't see his children, or that you've got a new partner, he is responsible for those children. You may be able to get an order to have his wage deducted to pay you if it really comes to that.
You can't avoid dealing with the repossession now that C&G know where to find you. I would suggest that you write a letter to them asking for a fully detailed completion statement along with copy invoices/receipts from any third parties involved, so that will include estate agents, building repair companies, insurers and so on. You don't need to refer to their other letters, just ask for the statement. As they'll have your home address details, they have no reason to contact you at work, if they continue to do so, stress that any contact must be in writing and to your home address only, if they still continue then its harrassment and you can do something about it.
I very much doubt that the lender will send someone to your home. At this stage, they are just asking for the money, there is no court judgement or money judgement order against you (I'm assuming). There is no proof that you owe them anything. If someone does turn up on your doorstep, refuse to discuss the matter, say that you are dealing with the lender directly and that they are to leave your property immediately. If they refuse, then say you will call the police - and do it.
You're not obliged to provide the lender or their representatives with any personal information about yourself, your partner or your finances, no matter what they imply. The lender must prove their claim, so you need do nothing else until you get that completion statement, then come back to the discussion board and let us know what's in it.
Pendle