I never saw a penny of it the loan was used to pay off his debts ! Going to see a solicitor tomorrow for a free consultation but worried I won't get the answers I want!

Thanks very much, have copied it into the debt forum, hope this is ok!

Hi all, I'm a bit new to this as it's been a long time since I have visited this forum, any advice would be greatly appreciated as I feel completely overwhelmed by my situation, here's my story: In 2006 I was living with my partner in his property who, due to gambling, had accrued a significant amount of debt. He arranged a secured loan against his property with a finance company (Nemo). This property was mortgaged and solely in his name. I was not responsible for the repayment of the mortgage nor was I named on the deeds. During the process of arranging this loan I was persuaded by my partner to sign documentation as I was a resident of the property in order for him to proceed with his application. I was told by him that this was a formality as I co-habited. I left my partner in 2008 and had no further contact with him. However, in January 2013 I received a letter stating I was in arrears for an unsecured loan from Nemo. I rang up to suggest there must be some mistake and was told a joint application had been made and I was responsible for this. I repeated that I was unaware of such responsibilities and was told further investigation would be carried out. I advised that all correspondence should be made in writing when a contact number was requested. I found out that my ex partner went bankrupt soon after I left him (not related) although I am unsure of the full extent of the circumstances. In the meantime I have been sent a recording of a call made by Nemo to myself where discussion is held regarding companies who will be paid off from the loan. Within this call I ask whether the loan will be paid in my partner's name and they confirmed this. I requested paperwork surrounding this loan and have received copies of a loan agreement in joint names, a copy of the deeds for his house signed by him and witnessed and a copy of a letter returning one of the cheques which had been sent to pay off debts as it was made out to the wrong company and I am requesting it be amended. I have written this letter and signed it although do not suggest the loan is mine. I am now in receipt of the details of the loan and the total is a staggering £33000 which they are obviously pursuing me for given he went bankrupt and is therefore 'untouchable.' Sorry for the lengthy entry but couldn't make it any more concise, does anyone have any advice, particularly whether I can be pursued for the full amount.

In 2006 I was living with my partner in his property who, due to gambling, had accrued a significant amount of debt. He arranged a secured loan against his property with a finance company (Nemo). This property was mortgaged and solely in his name. I was not responsible for the repayment of the mortgage nor was I named on the deeds. During the process of arranging this loan I was persuaded by my partner to sign documentation as I was a resident of the property in order for him to proceed with his application. I was told by him that this was a formality as I co-habited. I left my partner in 2008 and had no further contact with him. However, in January 2013 I received a letter stating I was in arrears for an unsecured loan from Nemo. I rang up to suggest there must be some mistake and was told a joint application had been made and I was responsible for this. I repeated that I was unaware of such responsibilities and was told further investigation would be carried out. I advised that all correspondence should be made in writing when a contact number was requested. I found out that my ex partner went bankrupt soon after I left him (not related) although I am unsure of the full extent of the circumstances. In the meantime I have been sent a recording of a call made by Nemo to myself where discussion is held regarding companies who will be paid off from the loan. Within this call I ask whether the loan will be paid in my partner's name and they confirmed this. I requested paperwork surrounding this loan and have received copies of a loan agreement in joint names, a copy of the deeds for his house signed by him and witnessed and a copy of a letter returning one of the cheques which had been sent to pay off debts as it was made out to the wrong company and I am requesting it be amended. I have written this letter and signed it although do not suggest the loan is mine. I am now in receipt of the details of the loan and the total is a staggering £33000 which they are obviously pursuing me for given he went bankrupt and is therefore 'untouchable.' Sorry for the lengthy entry but couldn't make it any more concise, does anyone have any advice, particularly whether I can be pursued for the full amount.

Thanks for that, I'm still not sure where I stand as I didn't know I was part of the debt until recently (as mentioned I thought I was signing an agreement that ex partner could use his house (my residence) as collateral).

Please help! 3 years ago I was asked by my then partner to sign as 2nd signatory on a secured loan. The mortgage was in his name only and when we queried this with Nemo they said that as I was his partner and residing at the address then I should sign the form as a formality (yes I know I could kick myself for being so naive) We split a year later and I learned he was heading for bankruptcy. It was a bitter split so I avoided contact with him but have recently heard I am now being pursued for the debt (even though I received nothing from the original loan!) I have had a call at work from someone from Nemo but luckily was not available to take it. I am also not allowed to receive personal calls so have kept quiet about it all, however I am now panicking. Any advice from you experts out there. Incidently I now have a mortgage of my own, would they be able to claim against this to retrieve their money.

Nor is special delivery as I'm finding out, have just tried to trace a letter (to Lowells)which I posted last week but although it was delivered there is no electronic proof of signature.I've spoken to a customer services person at RM today who is going to track it down. (Just a little hint re above as I was getting through to various automated services which could not provide the info I wanted so decided to go through to complaints dept, remarkably a real person was available to speak to, and very helpful too!)

Someone once said to me "never assume......it makes an ass out of U & ME" Words of wisdom indeed.

LOL What a hoot, I was crying with laughter.

Thank you so much, that's worth bearing in mind. Though I'm considering special delivery having read the thread on Royal Mail. Any suggestions on the address?

Thanks for that,

Thanks Curly Ben & Freaky Leaky, I 've just printed this off and have it ready to post but 2 more little queries 1 ) I read somewhere else to avoid sending a cheque and to use a p o without signing it, what about a cheque from a 3rd party (that way I can check when it's been cashed, in view of the competence of Royal Mail!)? & 2) Is it ok to send to the PO Box address or should I use the tiny one right at the bottom of the correspondence which is for Tessera? Sorry I didn't get back to this last night but I got side-tracked with all the other good stuff on here ( didn't realise how addictive this can be!!!)

I'm just getting used to this site so have tried sending the letter to various media, just hope I've done it right.

Thanks very much, much obliged

PLEASE HELP, I've tried to find solution to below problem but I'm obviously stupid at using this forum and can't even click on the link of useful info entitled Dummies guide! Having received a letter from lowell and receiving advice recently, I am now in receipt of a letter demanding payment of £5,477.37 from Rockwell who have been instructed by phoenix recoveries on behalf of tessera recoveries! What's going on, there's no mention of what it's for though a reference number is quoted. Oh and by the way it mentions their 'pre-legal department' should I be worried? I am very new to this and haven't got a clue, any light holders available to shed light on the matter?

Thanks to all of you, I'll do that (wanted to anyway but a bit worried about consequences) I'll sleep better tonight for that so thanks again!

Hello out there , this is my first time on a forum and have read with interest your posts re above mentioned company.I may be somewhat naive and don't understand the law completely but know I need advice. Here is my situation: I have received a letter from Lowell (PO Box 172 address) requesting I contact them regarding an address I used to live at (over 9 years ago) so that they can update their records.If I fail to respond they will assume this to be accurate and therefore will update records accordingly. What do I do? I did if I do and I die if I don't respond really!I don't know what it's for, how much or anything but did think I was out of the water now that nearly a decade has past. Please please help, I don't want to seek advice formally as I want to remain anonymous if possible.