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Response to Joint, but Seperate liable agreement ?

from C.Irvine (shortassfrazz@yahoo.co.uk)
To everyone who has replied, many thanks. David I am a newly qualified nurse do you think that will count as a decent enough income to clobber !!!..lol, I don't !. The property was in Scotland as I have always been so I will take advice and contact a scottish solicitor to attempt to clarify my situation, just were I stand, not contacting or pulling my head out the sand in anyway. I reckon that in July 1999 when I filled out that income/expense form I probably addmitted liability for World war 2 never mind my debt, I had just turned 21 the week that I recieved it and had a real panic on, don't think I stopped to read it just filled it in and sent it back !....To be honest that's ok though as it was in July 1999, due to the 5 year limit in Scotland that still puts me in the clear after July 2004, theoretically anyway. I will endevour now to get the information that I need from my original solicitor, he was quite good and specialized in property law, I ll have to pay him now though as theres no legal aid ! Once I know I will post what I can find out.

Incidently I reckon I will take advice and keep my head in the sand, done it this long wont hurt to keep it up, I wont be applying for any credit, I certainly wont be voting so I will remain low and hope for the best. I will undoubtadly want to invest in a family home in the future, one thing is for sure, It wont be for at least 2 years and I would never apply for a mortgage until I knew wether or not the debt had been "written off" or was still active. I have not one scrap of paperwork relating to either my mortgage or the repossession, so Ill pray that I don't have to come out the woodwork and fight as it would be a difficult one to get going with !

Many thanks again Catherine.

(posted 7463 days ago)

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