My wife is having problems with a shortfall claim from Woolwich/CISL. She left her previous husband in 1997, he then lived in the house for 18 months without paying a penny towards the mortgage - he even attended a court hearing a promised to make the payments. This was a joint mortgage, and there is/was no way to have her name removed from it. Needless to say the house was repossessed towards the end of 1998.(posted 7682 days ago)We have followed the advice on this page, and seem to have come to a dead end. CISL want us to return Income and Expenditure forms (don't hold your breath!) and claim that she is still responsible for the debt.
We've sent copies of letters that were exchanged between various solicitors (talk about getting blood out of a stone) which state that her ex-husband wanted her name removed and would make payments. None of this seems to carry any weight with these people though.
He has been "hiding" for the last few years, moving around and living with friends or his daughter. There are other issues involved here as well that are probably not relevant to this (ie non payment of tax plus other debts run up), but basically we would like the Woolwich to go away and bother him.
I know this information is not complete, but what are the chances of success if we go to court (which we are currently pushing for). My wife is close to breaking point over this, which is what these people want, and we desperately need some positive encouragement.
We did talk to a solicitor, their response was to fill in the Income & expenditure forms - which makes you think that they all work together against poor unfortunates like my wife!
Cheers
Steve