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MIG Cover?

from Stephanie Wright (the_evil_ste@hotmail.com)
My husband and I were contacted 1997 for a £34k shortfall; repo 1992, house sold 1995. We sought legal advice at that time and was advised that if we did not pay anything the lender chasing (who took over the mortgage lender we were with) would, through the courts, be able to go to court for our property (bought just 6 months earlier). Because of this we made payments totalling £1760 to date. Last year I halted payments after being advised of this site and following advice recently SARNed. The point is that I was never an original borrower; submitted application but subsequently withdraw and therefore offer was made solely to husband. I was added to the deeds about 12 months after. Lender won't supply deeds but I am pushing this because of the fact that this is the evidence for them to chase me. However, the MIG is a block policy stating that cover is those named on the application forms submitted to the society. I am now quering this as I presume the cover would only apply to my husband and therefore the insurers should actually only pursue him, not me? Any advice how to proceed with this? Can I counterclaim (if I need to) for being pursued for something that I should not have been? Also, the advice from the original solicitor would that help us in a resile situation?
(posted 7679 days ago)

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