Areas of Law / Debt matter

Our house was repossessed after I split up with my husband, and for the last three years the bank has been pursuing me for the £20,000 we owed; they’re not pursuing my ex-husband because he’s on benefits. I was told the bank would give up eventually, but they’re insisting I send them my income details every six months. How long can it go on?

If the bank was awarded a court judgment for the money outstanding, in addition to a possession order for your house, it can pursue you for the balance. If there was no court order the bank can pursue you for six years from the date you last acknowledged the debt, in your case by sending in your income details. Bankruptcy, or an individual voluntary arrangement, may be an option. Discuss your problem with the Citizens Advice Bureau.

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