Who is responsible for the maintenance of a repossessed house?

irarref76 | 21:42 Tue 09th Jun 2009 | Civil

2 Answers

Today I received a letter from my neighbours' insurance company claiming that a part of the roof of my repossessed house had fallen on their insured's car causing �2500 worth of damage, which I am liable to reimburse them for. However, the house was repossessed from me by the mortgage company in November of last year, though my name is still on the deeds.

Surely, I'm not liable, am I?

Any help would be greatly appreciated.

Thanks

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chrissa1

If your house was taken into Receivership, the Receivers would have insured it as it as the property belongs to them until it is sold. However, in a repossession situation I don't think the mortgage company has to do this.

I'm so sorry that I can't be of more help. Were you insured before and during the repossession?

Good Luck.

irarref76

Question Author

Thanks.

I did have house insurance while I was living there, but this ended when i left.

I would assume that as I was unable to maintain the property once I had left, I couldn't be held liable.

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