Response to HELP AND ADVICE AFTER REPOSSESSION 5 years on

Your ex is jointly responsible with you as a guarantor - but they've found you and its unlikely they will chase him, if they follow the usual pattern. (The CSA must be pretty dim if they can't find him, all it takes is a trace on his NI number if he is employed, they and they alone are allowed to do that). He may also have made a payment in full and final settlement, and they are after you for the rest. Follow the advice on this site, but first check to see if the shortfall is not actually out of time. I would suspect the Lender will have made contact within the (voluntary)time limits though. With the greatest respect intended, so many ex council houses were repossessed in the nineties, the Lender will probably settle for a fraction of the shortfall and go away. Thank you Margaret Thatcher.

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