[ Post New Message | Post Reply to this One | Send Private Email to Horace Colphon | Help ]

Henderson Booth Snell - Previous Halifax Mortgage

from Horace Colphon (hmc7@breathe.com)
Hi

I have recently received a letter for Henderson Booth Snell in connection with a mortgage that I had with the Halifax back in 1994. Due to financial difficulties which were connected with a business I had the mortgage went into arrears. I vacated the property before it was reposed and then sold in 1997.

After six months I started receiving letters from the Halifax stating that the house was sold for less that what was owed and that there was a 24,717.67 shortfall. After about a 18 months the letters stopped and I heard nothing more.

The letter form Henderson & Co certainly came as a shock being 7+ years after the event. I understand that debt’s concerning mortgages are sold on but I am not in any position to pay this and think that bankruptcy is my only option.

What is my best course of action? (Oh! and please forgive me but can you explain what a SARN is and how this may help me).

I now live with my partner in her home with our two children. Although I am employed I am the sole bread-winner.

I would really appreciate you advice as this thing seem like a re-emerging dark cloud and is giving me sleep ness nights thinking that someone will soon be banging the front door down for this debt.

Many Thanks!

(posted 7372 days ago)

[ Previous | Next ]