Answer Base

Ok my partner and his dad owned a house together and his dad sadly passed away 6 months ago. his life insurance is paying off the old mortgage. well me and my partner went to the bank the other day to get a loan to pay for the heating. the bank refused and said it is because our account is in the hands of the debt collection agency. we have not been paying the mortgage as we didnt know we had to, we were under the impression that the mortgage was frozen until the life insurance paid it off. we have had no letters at all from the bank saying they want payment and no letters even stating that we were now responsible. how can we now be in arrears! if you dont pay your phone bill u get reminders etc, is it any different with a mortgage? what can we do to get out of this mess. we are currently looking to remortgage and now with this black spot on our record i doubt we shall be able to. our bank is lloyds tsb. any advice is appreciated.

I cant understand why they didnt write and tell you that you were in arrears my building society loves writing me acidic letters and charging me thirty quid a time. ask them to show you copies of any correspondence that they have sent to you and if they have none ask why you were not informed.