If the trustee has the keys to my house, why is the secured loan company still harassing me and taking me to court to repossess my house?
This doesn’t sound right, because the Trustee would have had an obligation to advise the secured loan company of your status and his interest in the property. We have to assume that this has not happened and you need to make the Trustee aware of this development.
For those of you who don’t know, in cases where there is a property (with equity) involved in a bankruptcy, a Trustee is appointed in place of the Official Receiver. This would be a private Insolvency Practitioner and is often a firm of accountants or solicitors. It seems someone has taken their eye of the ball, as this sort of thing rarely happens.
Bankruptcy UK offers bankruptcy help for those who might be unfamiliar with the procedures and will submit your application online. Court appearances for bankruptcy are no longer required. Feel free to call us on 01425 600129 for an informal chat about your circumstances.