Need Legal Help Please

trencherpilot

Not sure if this is in the right place, but I need some help. Just over 6 years ago, my now ex wife was declared bankrupt, and as part of this process, I had to buy her share of the house from the receiver. A year later, in an effort to reduce my outgoings, I wanted to remortgage the house with my then bank HSBC. I took the mortgage out in solely my name, but my ex had to sign a form so that she was aware that I was changing my mortgage to HSBC. Somewhere in this process, my ex's name (Whilst still an undischarged bankrupt) was put back onto the deeds of the house, and in the following divorce, I had to give her a £20000 lump sum for her share of the equity in the house. What I want to know is...... Do I have any legal come back on the bank as I have just realised that a) I had bought her share from the reciever, and b) the bank has committed an offense by putting an undischarged bankrupt onto deeds of a property when under the law at the time, she had no legal right to hold property in her name, and what would have happened if one of her creditors had chased he for a share of the house? (She has now been removed from the house deeds) Any help in this matter would be appreciated.

monty-doggy

That's sounds really complicated and not something you should be taking advice on here for. I would contact some solicitors that specialise in this sort of thing and get either a free half hour or a fixed fee advice slot.

Opinions can vary widely and this sounds like its really complex.

I hope you find some resolve.

Thrugelmir

trencherpilot wrote: »

b) the bank has committed an offense by putting an undischarged bankrupt onto deeds of a property when under the law at the time,

Why do you believe that the bank did this?

Thrugelmir

trencherpilot wrote: »

I had to give her a £20000 lump sum for her share of the equity in the house.

I would suggest she was entitled rather than you "had to give her".

If you are attempting redress from a third party to cover your losses then I feel you aren't going to succeed.

Dave_the_Ginger_Cat

Agree there are some complex questions, and I would look first to the solicitors who acted for you in the remortgage. I would also question the timing and if the £20k you paid should have also been to the receivers as part of her assets rather than to her. It probably does not matter if she was discharged or not, as they were assets which were hers at the time of the bankruptcy.

Support recommendation to pay for some advice, a matrimonial or insovlency specialist, preferably the latter

getmore4less

Should have been sorted during the divorce.