I posted a message last week, but unfortunately, have had no reply.(posted 7886 days ago)To recap, handed keys back to Halifax in 95. Seperated from husband 97. Got 1st letter from Addleshaw Booth & Co 97.
Letter stated that I owe £30,862+ grand. Wrote back asking for proof of shortfall, plus copy of MIG and also saying that I felt they had undersold property, and asked for proof they had not claimed from MIG. Also told them now divorced, working part time bringing up a child. Got letter back saying costs of sale were £2213.
I wrote back saying I would pay HALF of costs (i.e. £1106.5) providing they got the other half from ex. Started paying £10 month standing order. Didn't hear anything further until Monday 16th Sept 2002, so assumed they accepted this arrangement. 16/09/02Got letter from Counselling Intermediary Services, stating I owe Halifax K£30232 and would I like to discuss a settlement offer?
I bought a house in 2000 with new partner and am worried they can have a claim on it. I have cancelled Standing order, but feel this may have been silly, should I re-instate it, but who to? I had been paying Addleshaw.
In view of my previous letter, I feel I should offer them £500 or so to make up to original settlement I offered, but do you think they will accept this? I have asked for all docs listed in 'what to do' on site ie. mortgage deed, mig, endowment policies, advert mats, etc, plus all letters sent to or received from myself or my ex husband. Have also written to Halifax, Addleshaw and Counselling Intermidiary asking how much SARN costs are.
I do not want to lose my home again, plus why should my current partner be punished for something that happened 4 years before I met him. They have also NEVER contacted my ex husband, even though they knew where he used to live (he has moved now).
I still have my daughter living with me and have no extra cash.
Any suggestions would be really appreciated.