Hi matt and welcome to the forum
Not sure what you mean by "hide" the asset - this is not the right way to go about dealing with your financial difficulties. What equity do you have in the property at present?
1 It is unlikely that Halifax will have forgotten about you, and these days it is very easy to trace people - I regularly do this using tracing agents and it is rare not to be able to track someone down.
2 You need to co-operate with MBNA. They lent you the money in good faith and the least you can do is respect that and answer their queries.
A simple H M Land Registry search on your name will easily trace you as being a property owner. Most banks have the ability to carry this out on-line, and presumably you are on the electoral register which is also now on-line.
This is probably not the advice you want to hear - but all I can do as a professional is encourage you to address your financial difficulties in a responsible manner.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk
