My husband bought a place with his ex-girlfriend which was repossed in 1996 he has had no contact with them since then untill this year. They sent a letter to him requesting he settle some of the money and if not he would have to pay it all. Whether it be good or bad we ignored all their letters in the hope that it may go away(as you do) the letters have stopped but last week i had a visit from someone looking for my husband who would'nt identify themselves but i knew it was to do with this debt. what will they do next? will they keep coming around?

-- worried (decastti@aol.com), November 27, 2002

Answers

Hi,

If the people that are writing to you are members of the Council of Mortgage Lenders and the first letter was received more than 6 years since your husband took out the mortgage then you can write and ask them to stop bothering you as they are out of time. However if not, write to the people concerned asking for evidence of the debt, state you will only correspond via post and if anyone else, or the same person, turns up at your door refusing to give details state the Harrassment Act as quoted earlier in the Q&A section. Unfortunately these people will not go away just by being ignored, check out the time limit and then follow the advice given in the Repossession Section of this site. Good luck, all the best, and you are not alone.

-- Chris (chris@anon.co.uk), November 28, 2002.