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General advice please? Anybody??

from Arabella (ArabellaBreson312@hotmail.com)
I hope someone here will be able to help me understand what my position is regarding my house. My husband has just received a shortfall demand letter for a previous property, which thanks to the excellent information on this site, is not scaring me as much as it did when I first saw it. However it has opened a whole new can of worms... Firstly, I knew nothing at all about this property, since when we took the mortgage out on the house we now live in, he told me he had never had a mortgage before. This means that he must (probably) have lied on our application form - is this fraud? and if so, how will it affect me? (we have had the mortgage for 5 years, everything is up to date). Secondly, he is being very cagey about how long ago this house was re-possessed, firstly telling me it was 'about 18 years ago' (fine, not a problem) then saying it was '11 or 12 years ago' (very different story). The local CAB seem quite genned-up, but say they can only give him help/advice if he will go there with some evidence of when this all happened - he says he has none (says it was a voluntary repossession, with no arrears). If it is within 12 years and he does nothing, assuming the case was a good one and eventually went to court, would it affect our present mortgage? Strangly, on going to check the conditions of my mortgage agreement, I can't find any paperwork relating to the mortgage. I know I had some things, but not which things - and I never throw anything away. Apart from this mystery, can I contact my current lender to ask for copies of whatever I should have without raising alarm bells?

Sorry if this is a bit long-winded, I'll help keep it shorter by not sharing with you all my present opinion of my husband...

Any help or advice would be gratefully received - I'm obviously a lot more naive than I thought...

(posted 7840 days ago)

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