bankrupt 2 properties with ex, not living in either

wildthing46 · 12 May 2009 at 3:12PM

They are threatening me with sending an agent out now from the mortgage company to discuss my financial situation. They have been told and sent twice a BR order and they are still threatening, there is a creditors meeting on Friday this wk surely they would have been invited as the 2 houses were inc.in the br. What do I do now? ow can they keep harrassing me? I cannot do anything, i have no
job no money and he has a £35k job, why don't they leave me alone......:mad:

Tobiwan_Kenobi · 12 May 2009 at 3:19PM

I know it's easy to say (and much more difficult to do), but chill out if you can. You have gone BR, so you're sorted. Just keep telling them that, then refuse to speak to them again and refer them to your OR.

peachyprice · 12 May 2009 at 3:40PM

Hi wildthing,
Unfortunatley until the houses are formally repossessed they aren't included in your bankruptcy, so they wouldn't have been asked to the creditors meeting, and they can keep chasing you until repo has gone through. The OR will not get involved with them until after repo either.

Not what you wanted to hear I know, I'm afraid you'll have to ride this one out and hope they get bored of getting nowhere with you.

wildthing46 · 12 May 2009 at 4:46PM

I informed the Trustee (Ins pract.)about the agent coming around and wanting mortgage money off me, single mum, on sickness benefits, no job. He responded with the following:
'I have no connection with the mortgagee and can only suggest you take advice from your local Citizens Advice Bureau.'
i responded with
'I took advice and was informed by the CAB and the OR that the houses are inc. in the bankruptcy, as far as I was aware you were getting valuations done? The OR from Cardiff wrote to them. '

he responded with the following gabble:
'The equity in the property falls to be dealt with in the bankruptcy. But the mortgagee has priority in dealing with assets subject to their security.'

I fail to be amused......anymore.....not that I ever was.....the ex who lives in the one property and has built up arrears close on £8k now earns £35k???? and the arrears on the rental property that he wouldn't let be rented out are £2.7k and I haven't lived in either property for over a yr and they want me to pay???? with benefits????

I can barely afford to live where i live and feed the 3 of us....let alone keep a roof over that *'s head too!!! i won't and can't!!!

:mad::mad::mad:

peachyprice · 12 May 2009 at 4:59PM

How about writing to the 2 mortgage providers, telling them you are on benefits etc, gone BR (i know you've already told them on the phone) not living at either address BUT give them contact details of your ex, his salary, the fact he's living in one property etc., and suggest they'll get a whole lot further chasing him that they will with you.

It might be worth a try, at the moment they're probably hassling you because it's easy.

wildthing46 · 13 May 2009 at 10:55AM

Can someone please look over this letter and let me know if it is alright to attach to the I & E I am going to send them, thanks for everyones help:

MY ADDRESS (RENTAL PROPERTY WHERE I LIVE)

14th May 2009

Dear Sirs

Re: Account No. ACC NO. AND ADDRESS OF PROPERTY

Thank you for your letters regarding the above account.
Unfortunately due to severe personal financial circumstances, I am unable
to help, please see attached I & E form. I also was declared bankrupt on Feb 23rd 2009, BR order No. xxxxxx which I sent you a copy of and so did the official receiver.

I would like A & L to take this letter as my formal request for the voluntary surrender of the above property.

I voluntarily surrender possession of the above mentioned property to A & L and agree to the sale of the property.

I do not require the assistance of a counselling agent and I can confirm that this decision has been made with the help of two debt-counselling charities, including the CAB.

I am not prepared to sign any form or agreement from yourselves to facilitate repossession. You are obliged to act in my interest in this matter. I suggest prompt action on receipt of this letter will help discharge that obligation.

I will not contest any repossession proceedings.

I note that A & L are at liberty to remove and/or sell any items of a personal or household nature remaining in the property after the date of my giving possession.

I can confirm that the property has been vacant from 21st Jan 2009, unless Mr X knows otherwise. As you are already aware Mr X and his niece had the keys for the property I have none.

If you have any problems contacting Mr X his work address and mobile tel. no. are as follows:

HIS WORK ADDRESS AND MOBILE TEL NO.

Yours Sincerely,

Ms XXXXXX

beentheredonethatstilhere · 13 May 2009 at 2:41PM

Sounds perfectly good to me but do wait and see what some of the others say.

Don't for get to send it signed for, so you know that it has arrived. Pop in another copy of your BO for good measure as well.

When they phone, if you have caller display then ignore the them or just pick up the phone and put it on the side until someone gets fed up of sitting there trying to get your attention.

This will give you a giggle
http://forums.moneysavingexpert.com/showthread.html?t=741653&highlight=

wildthing46 · 7 June 2009 at 4:21PM

hallo
the latest, heard nothing from building society regarding the empty rental property i sent the letter about, so I gather they are now going to re-possess that one, been just under a month since the letter went out.

Not quite sure what is going on but have now received a letter off satan's NEW solicitor and I have a Deed of Transfer off them that they want me to go in and sign. This is for the other property he is living in and was about 6-7k in arrears with the mortgage. Does this mean he is buying the BI in it? It states that he has paid £862.50 to my trustee??? My trustee has told me nothing....

Do I go ahead and go into their offices and sign? Why are they offering to come to my house to be helpful, do they normally do this kind of thing or is this because they know I am not well.

Does this mean I get off the land registry as having BI in the property and do u think the mortgage company are going to take me off the mortgage?Finally cos they wouldn't consider it before?

CJV_2 · 7 June 2009 at 4:57PM

I don't know any of the legalities, but I would not sign anything until you have had it checked by a professional, a solicitor or the CAB, perhaps. It sounds like he has no problem dropping you in a whole heap of mess, and if they are suddenly offering to come to your house, well, sounds like they're a bit too keen to have you sign it. Wait for some responses from the more knowledgeable types on here too, they have a wealth of knowledge.
What a rough ride you have had, here's to brighter times.;)

wildthing46 · 9 December 2009 at 1:06PM

The trustee obtained an order from the courts for possession to sell on 15th Sep.

Then the trustee asked the building society for the keys and they would not provide them because I refused to sign the letter with the deed of acknowledgment clause on it.

The building society followed with an order for repossession on Oct 15th.

Then the trustee asked again for the keys and they said they had lost them.

Then the trustee asked if I had any objection to them forcing possession and I said go ahead.

Now the building society are saying I have not complied with the terms of Order of possession and that they are going to evict me, I haven't set foot on the property or had keys since Dec 2007? They say it may affect my credit status....hallo I went bankrupt!!?? in Feb 2009 and it is going to affect my credit status.....

:rotfl::rotfl:

Why don't one of them just do something? I have to say when the letters come through the door my stomach goes up in my mouth....but it soon goes back down and I don't feel half as bad as I used to. I just wish it had been sold by either one of them....so I could start the New Year off on a different level.:beer:

bankrupt 2 properties with ex, not living in either

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