David J. Button (davidjohnbutton@supanet.com),(posted 7490 days ago)Do you know if this is the case for this type of joint agreement nationwide, I am in scotland as was the property ? I did recieve a letter from them in May 2001, however, I re-sealed the envelope convincingly enough and wrote on the front : return to sender unknown at this address. The letter was addressed to me in my previous surname, which was puzzling as I had moved into my new address under my new surname and it is rented accomodation through a housing association who cannot disclose any information about their tennents due to the data protection act. I assumed at the time that they must have found my ex and somehow through various people he had given them my address. I have however never recieved anything since. I did fill out an income/expence form in July of 1999 but nothing else, as soon as they sent back a re-payment schedule wanting £280 a month from me I vanished, I never paid them a penny. I did contact the national debtline about this and it was them that firstly informed me that it would only be a 5 year period as I am in Scotland, and secondly that if he had made any payment or written correspondance to them within the last 4 & a half years that this would directly effect me and the 5 year period would start from then again for us both. As you stated David, the Statute of Limitation applies to me separately. That's what I thought, that's what my solicitor had advised me in 1999, that would make sense as they themselves stated to my solicitor that they could hold either of us responsible to pay the amount owed and although it was a "joint mortgage" other than 2 names on the mortgage agreement that was as "joint" as it got, they said that we were basically being treated as 2 seperate parties. Can anyone shed any light as to if this is indeed the case in my situation in Scotland.
Again many thanks for the reply's. Catherine.