this is more information on is it fair after 6 years, the lender was Nationwide building society, what we cannot understand is why they did not contact us at all in the last six years, why put this matter straight into the hands of a recovery company. This flat was brought by my husband before we were married, at the time he was married to someone else although the mortgage was in his name only would his ex wife be responsible for any of this debt.the marriage lasted one year.at the moment we have just applyed for a mortgage to buy our council house, we would really like to go ahead with this as we have been planing it for along time and the right to buy scheme is about to change so we would lose out on our discount.

-- martin hilyer (martin@ahilyer.freeserve.co.uk), November 30, 1998

Answers

Sadly they are not fair,its a dirty game they play,now if you could name the recovery agents as well,we can start to build up a picture! The English Justice System is not geared to what you and others are facing,there is no easy answer.So we are starting to fight back using the Law eg Data protection etc,but even these can have at the moment limited powers,they are at present revamping the Data Protection Act,it remains to be seen if it works, only time will tell! The only way to tackle this is stage by stage slowly getting at them to reveal details eg sale price, agents fees, reason for delay?

So do not fear them,fight them and like all People,with this problem at the moment Civil Rights,go out the window thats why we all must join together and fight as one, The guidance notes on these pages are collected by Volunteers,many h have suffered at the hands of these Money Makers!!! So please read the site notes and you will really see what im on about

so join in submit your details and prepare to fight

each case won is one more for true justice!

Charles

-- Charles Twford (Charles.twford@btinternet.com), November 30, 1998.

I think this may be of interest to many visitors. 26/1/00 The Council of Mortgae Lenders reports today that the limit on shortfall recovery falls. Quote "In future lenders have agreed voluntarily that they will being all recovery action within the first SIX years after the sale of a propery in possession.

The change takes effect form 11 February, and means that anyone whose property was taken into possession and sold more than six years ago, and who has not been contacted by their lender for recovery of any outstanding debt by that date, will not then be asked to pay the shortfall. The new time limi applies only tonew cases, and does not affect anyone with existing shortfall debt repayment arrangements or where the lender has alrady begun recover procedures. The new policy has been agreed following consultation with the National Association of Citizens' Advice Bureaux and the Federation of Independent Advice Centres, who had both asked the CML to consider the chang"

My personal answer is therefore to keep them talking as long as possible until you are past 6 years and then through this at them hard.

Please let me know if you would like a copy of this Press Release.

-- Cheryl Grant (chaz@vas-net.net), March 14, 2000.

In response to the the Answer re the Press Release from the Council of Mortgage Lenders. Here is the URL. http://www.cml.org.uk/press/2000/a&ph299.htm

-- Tim N. Heath (tim@computerlogistix.freeserve.co.uk), August 29, 2000.