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GIVING BACK HOUSE KEYS TO MORTGAGE LENDER

Last post Thu, Aug 28 2008, 8:49 PM by Smokey Jay2. 2 replies.
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  •  Thu, Aug 28 2008, 4:08 PM

    GIVING BACK HOUSE KEYS TO MORTGAGE LENDER

    Can you tell me what the legal repercussions are if I post keys back to mortgage lender and leave the country? I owe £113000, the house is valued at £129500 but I have not been able to sell it.
    • Post Points: 20
  •  Thu, Aug 28 2008, 7:33 PM

    Re: GIVING BACK HOUSE KEYS TO MORTGAGE LENDER

    Hi --- The lenders would sell or auction the house for whatever they could raise to clear the debts if possible.

    If there was a surplus left after you have cleared the loan and all associated costs, this amount would be forwarded for your benefit.

    If there was a shortfall and you still owed them money, then you would be pursued in the same manner as a missing debtor and still be liable to repay the shortfall..

    • Post Points: 5
  •  Thu, Aug 28 2008, 8:49 PM

    Re: GIVING BACK HOUSE KEYS TO MORTGAGE LENDER

    Thanks for your response.

    • Post Points: 5