Hya yes sorry i should have mentioned that I was declared bankrupt in july 2007. The property and both secured mortgages were included in the statement of affairs.Does this still make me liable for shortfall and fees ? Im not sure wether it is best to just hand back the keys or let the court case go...

is it better to hand the keys back to the mortgage lender or let them repossess.we no longer live there and have missed 5 payments.what if there is a shortfall will i be liable?

Which banks will give me a basic account after ive delared myself bankrupt?