Northern Rock

The_Next_Verse

Just feeling the need to have a little moan!

I went Bankrupt on 28 September 2009 and at the time, held a Together Mortgage with Northern Rock jointly with my ex partner. (For my sins!) He had refused to make any payments towards the property which unfortunately left me unable to pay and having BR as my only option. Even solicitors couldn't help me!

After bankruptcy, I moved out and told NR over the telephone that I had no further interest in the property and they could repossess whenever they fancied it. Unfortunately, my ex partner didn't like this option, and decided to make an arrangement with NR to keep paying them for both the loan and mortgage to keep his head above board.

The OR contacted NR, told them that he was to take over the BI in the property and I was now BR. My ex also advised them of the situation and I have not been contacted since.

Until today.

They have attmepted to contact me through the main call centre where I work (it's a big place!) using my maiden name which I no longer use after I got married last year.

I was not at my desk so I didn't take the call that was put through to my manager.

I don't want to start the rounds of having to contact them again and again like I did last year (assuming it was all sorted after a million phone calls!) but I don't want them calling me every day at work either!

I am assuming that the ex has now defaulted on the agreement that he had with them so they're now deciding it's time to chase me again.

Do you think it's worth writing them a letter advising them once again of the situation and that as far as I'm concerned they can repossess it?

I'd just like to say at this point that they don't know my current address as I've moved twice since September 2009, however it is shown on the Insolvency Website as my current address if they were to research this.

What would you all do if it was you?:o

mummytotwo_3

Id give them a quick courtsey call and tell them any contact is to go to your or, as you are br. As far as you are concerned, if nr do or do not reposses the property its not your problem, as your ex oh as joint mortgage holder will be responsible for any shortfall that may occur. Your ex can buy your interest back from the or but from what i can gather from your post, it would seem unlikely!!!
Dont sign any forms though if nr repo it though.

[Deleted User]

Might be worth a quick call to your OR to update them, and they may have advice or remind NR to deal with them.

I think if you call them and it's registered on their system it'll just encourage them to call you more... personally I've given up speaking to NR and if needed will put anything in writing - somewhere there's a 'don't contact me by phone letter template' which you may find useful will try to find it for you..

lbm

The_Next_Verse

lbm wrote: »

Might be worth a quick call to your OR to update them, and they may have advice or remind NR to deal with them.

I think if you call them and it's registered on their system it'll just encourage them to call you more... personally I've given up speaking to NR and if needed will put anything in writing - somewhere there's a 'don't contact me by phone letter template' which you may find useful will try to find it for you..

lbm

This was kind of what I was thinking! I don't really want them to know that news of the call filtered through to me at work or it may encourage them to call more?

The_Next_Verse

mummytotwo wrote: »

Id give them a quick courtsey call and tell them any contact is to go to your or, as you are br. As far as you are concerned, if nr do or do not reposses the property its not your problem, as your ex oh as joint mortgage holder will be responsible for any shortfall that may occur. Your ex can buy your interest back from the or but from what i can gather from your post, it would seem unlikely!!!
Dont sign any forms though if nr repo it though.

Oh yes I'm not signing anything, even letters in the past that I've sent... especially as they don't appear to know my married name!

But, the EX has bought the BI from the OR.... did that 6 months ago! I don't know why he would do that if he was going to not pay anyway! What a waste of a pound!

[Deleted User]

The_Next_Verse wrote: »

But, the EX has bought the BI from the OR.... did that 6 months ago! I don't know why he would do that if he was going to not pay anyway! What a waste of a pound!

I'd deffo call the OR then in this case, hopefully someone may be along with more experience soon as I don't have BI issue (just a NR one )

lbm

tigerfeet2006

Until the house is repo'd it is not included in your BR. So NR can continue to chase you all they want. As you are BR you can ignore them as by default you cannot afford it as you are BR. When the house is sold the debt at that point becomes unsecured and goes in to your BR.

Have you informed the council tax people that you no longer live at the address? Is the CT in your OH's name?

The_Next_Verse

tigerfeet2006 wrote: »

Until the house is repo'd it is not included in your BR. So NR can continue to chase you all they want. As you are BR you can ignore them as by default you cannot afford it as you are BR. When the house is sold the debt at that point becomes unsecured and goes in to your BR.

Have you informed the council tax people that you no longer live at the address? Is the CT in your OH's name?

Yep, CT are aware of the situation and I have an email from them confirming the end of my liability for charges at that address after I move out.

I have provided them with ex OH's details twice and his forwarding address in case they would like to purse him further as i have confirmed that he has sole access to the property.

They have had my email address since I have moved and have my current address. I haven't been contacted at any address or via email so think this has been sorted.

I fully intend to ignore them, as my only response would be... go and pursue the guy who actually wants to keep the house... if it was up to me I would say to repossess today and get rid!

Thanks for your responses people, has put my mind at rest!

xx