Response to Joint, but Seperate liable agreement ?

Catherine,

I would suggest you contact a Scottish solicitor. I know Moira (who posts on this site quite regularly) is fighting a Scottish mortgage shortfall, and has found an experienced and helpful Scottish solicitor, I think it would be a good idea to contact her. Furthermore, you need to check whether you have acknowledged the alleged shortfall in writing, sending in an I&E form (depending on the wording) may have done this, a solicitor would need to check all the paperwork you've sent the lender. When correspondence is sent to the lender it should always state that you do not acknowledge the debt and that you deny liability, otherwise (under English law) the limitation period can restart. Any third party operating on your behalf should do the same e.g. solicitor/debt advisor. If they do work on your behalf, cover yourself by sending them a letter (recorded delivery) stating that you do not want them to acknowledge the debt on your behalf, it has happened! Don't get stressed out by all this, your health is more important than all the gold in China. Good Luck.

Mark.

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