Marlin Europe / Northern Rock Charge on property, attachment of earnings

[cleggy1958]

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.

[AndyOrch]

You must complete the form and return within 8 days...you already know the consequences.You will see an option bottom right to suspend the AoE tick that and attach details and conformation (IP) that the debt when it was with the original creditor was included in your Bankruptcy Petition.

 

Regards

 

Andy

[cleggy1958]

Thanks Andy - I will do as you advise.