After defaulting on an £18,000 unsecured Northern Rock loan
they obtained a CCJ in Bradford Crown Court in July 2009.
They then registered a charge on my share of our home with the Land Registry.
In October 2009 I was declared bankrupt and included this loan in the bankruptcy.
I have made no payments or made contact with Northern Rock or Marlin Europe since then.
I was advised that the debt had transferred to Marlin Europe and they are now chasing me for payment.
I have received a "notice of application for attachment of earnings order" that looks like it has come from the court
but I suspect is another scare tactic from their solicitors, Mortimer Clarke.
What is my best course of action?
Do I need to complete the form that asks for income and expenditure details?
I do not understand how an unsecured loan, sold as that and with the interest rate set accordingly
can somehow become secured on my property.
Does my bankruptcy not cancel this out?
I would welcome any advice as the notice threatens up to 14 days in jail for not replying.