I had a motgage with an ex partner from 1993 - 1996 when he left. As we had a severley disabled child by this time I was not working and haven't worked since. House was repo'd in early 1997 and was sold at a loss. As the mortgage was a joint one, both ex partner and I were pursued for shortfall by Halifax. I informed them of my situation (as a full time carer to my son) and they assured me they would not pursue me any more, but if my situation changed (i.e. if I started working) I should inform them. Hah! Within 18 months or so, they sold the debt on to a company (Direct and Legal Collections) who started sending me vicious letters. I rang them up and told them my situation and they demanded to see all my son's medical records as proof. I immediatly went to see a solicitor who wrote to them. They responded with a letter saying they would take no further action against me themselves and had removed my account from their files. Within two years they contacted me again and I angrily phoned them and reminded them of the letter they had sent. Their response? "We didn't mean perminantly remove your name from our files!!!" I never responded to any more of their letters on the advice of my solicitor. Just recently the debt has been sold on again, this time to Counselling Intermediary Services Ltd and they have sent me a letter and income and expenditure forms. My situation has changed in the fact that I am now Married (obviously NOT to ex partner who I was on Mortgage with) and he brought (on a mortgage) the property we live in in his name only. I am still a full time carer to my now 8 year old son and do not have any personal income whatsoever (apart from child Benefit and Invalid Care Allowance which I get for looking after my son). My Husband is the sole earner. Also the Company is chasing me for the whole amount it seems.(posted 7730 days ago)I'm not really sure what to do next - apart from obviously not ring them up it seems according to this website!!!!
Hope someone can give me some sound advice on this.
Heidi