A question for Melanie about difficulty in getting Bankia to repossess Spanish holiday home.

[stressed paul]

A question for Melanie
I have mentioned this before but the issue is still unresolved. I have an IVA which I paid a lump sum into and was to last 1 year only, this year is now nearly finished, included in the IVA is an estimated shortfall for a Spanish Holiday Home. I returned the keys and stopped paying the mortgage when the IVA started I have written to them and tried phoning Bankia requesting them to repossess the property so that the shortfall can captured and dealt with by my IP, but they have not responded at all either to me or my IP. The only communication I have received from them is a monthly statement saying they have been unable to collect my mortgage payment. Now my IP have said that they could close the IVA and if Bankia do not respond within 21 days they would be excluded from any money due, however I do not feel that this closes the matter for me because they would still be sending monthly statements regarding the mortgage until they repossess which may continue for years. I have also been told I am still responsible for all the bills relating to this for example property tax and community fees, as I am still registered as the owner until its repossessed, Is there further action my IP can take to try and get Bankia to react? I have inquired from an English/Spanish solicitor who said that hey may be able to help, but their fees were £2230, 50% of which they want up front. I would really appreciate your views on what is the best way forward.
Kind regards Paul Swann

[Shining]

Hi Paul, will bump this up for you.

[stressed paul]

just bumping this up that the list