New Zealand Law
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I think it rough to serve 3 years jointly where both parties have effectively been bankrupted with no assets left and living off NZ Super for a bank to double dip.They have claimed the tax relief and written the debt off their books by including it in a bankruptcy. The bankruptcy amount never changed.
Seems law is not actually justice in this instance.
when is an account in default measured?
The first email from the Bank advising default is 30 October 2007
The time for claiming expires on 30 October 2013, so there is some risk they could claim against you. Perhaps the reponse should be to tell them they are out of time, and that they proved in the bankruptcy and therefore should not claim.
I will follow through. Thanks for the advice