Bankrupt Ex-Wife still on mortgage!

mrstansfield

Hello,

Every month NRAM send a letter to me and a letter to my ex-wife through my door. I'm understandably unhappy about this, as is my wife, and still they keep coming. Despite my ex-wife claiming bankruptcy and selling her share of the house to a third-party (who then sold it to me for £1) she is still named on the mortgage.

What can I do? Do I complain?

I've spoken to NRAM before about it but they say they won't do it.

Is there some legal loophole here?

All help appreciated as every time I see a letter the financial stress keeps flooding back and it's taking its toll on my nerves

mrginge

Might help if you explained what the letter is.

mrstansfield

mrginge wrote: »

Might help if you explained what the letter is.

It's any NRAM correspondence. Statements mainly but this one is about a figure adjustment in relation to some previous error on their part.

ACG

Are you complaining they send letters or complaining they send letters to your wife?

If the latter surely a complaint about breach of the data protection act should sort this out?

mrginge

ACG wrote: »

Are you complaining they send letters or complaining they send letters to your wife?

If the latter surely a complaint about breach of the data protection act should sort this out?

Hardly a breach of data protection if she's still a party to the mortgage.

kingstreet

If she is party to the mortgage, they have to send two copies of any correspondence to the last known address of all parties to the mortgage.

If you want to stop getting two copies, she will have to contact them and ask them to stop sending them.

BTW if you cannot evidence your ability to meet the mortgage payments alone, she cannot be removed from the mortgage.

nidO

You're either missing a lot of info out of your post or NRAM are acting entirely correctly.
You say your wife sold her "share" of the house. How did she do this? Did she/you use the money raised to pay down your mortgage? Did you then subsequently successfully re-mortgage your property into your sole name only, with NRAM being happy that you are able to meet the mortgage repayments alone?
If not, it's not clear why you imagine they would stop contacting her.

ACG

mrginge wrote: »

Hardly a breach of data protection if she's still a party to the mortgage.

Just re-read and noticed the bit about still being on the mortgage - oops. Ignore my post.

mrstansfield

kingstreet wrote: »

If she is party to the mortgage, they have to send two copies of any correspondence to the last known address of all parties to the mortgage.

If you want to stop getting two copies, she will have to contact them and ask them to stop sending them.

BTW if you cannot evidence your ability to meet the mortgage payments alone, she cannot be removed from the mortgage.

Absolute madness! I have no idea where she lives and I've been paying the mortgage by myself for the last 6 or 7 years.

How can she still be party to the mortgage if she declared bankruptcy and sold her share to a third party?

kingstreet

Did you have her removed from the mortgage?

mrstansfield

nidO wrote: »

You're either missing a lot of info out of your post or NRAM are acting entirely correctly.
You say your wife sold her "share" of the house. How did she do this? Did she/you use the money raised to pay down your mortgage? Did you then subsequently successfully re-mortgage your property into your sole name only, with NRAM being happy that you are able to meet the mortgage repayments alone?
If not, it's not clear why you imagine they would stop contacting her.

She declared bankruptcy and sold her half to a third party following divorce...