Response to house reposession

Not to put too fine a point on this - you are going to get royally screwed if you don't get this set aside. Your ex has probably used/given your address at some point as either his place of abode or a contact address to deflect attention from his real whereabouts. My ex pulled the same stunt - he denied it of course - but I eventually confirmed that he had done so. The CCJ is against the address and will affect all and any credit applications made from there. You and your ex are both jointly and severally liable for the shortfall (which I assume you will dispute?) BUT the kick in the backside is that they will hound you and you alone because they have an address and a CCJ to enforce. You will also have to prove that anything you currently own is not property "pertaining to the marriage" i.e anything you now own must be in your partner's name otherwise they can take it. (I know everyone will tell you that stuff jointly owned with the new partner is off-limit's but it's not that simple and you really need to be careful.) I repeatedly gave the relevant people my ex's new address(es) and they totally ignored the letters and calls - they had me at my address and that was more cost effective than chasing my ex. He has a habit of moving as soon as things warm up and has never paid a penny. What was the background to the repossession? Did you walk away or were you repossessed for arrears? If you give a few more details we may be able to help a little more.

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