Thank you both for your replies, but with respect I am very aware of obligations of creditors and family home issues.
My point is much more specific.
The OA request all creditors to return proof of debt forms within 28 days of adjudication.
In the case of a secured lender, the form is slightly different in that they are asked specifically "if they wish to rely on their security, and remain outside the bankruptcy"
In this instance, that is exactly what the lender did.
So, this loan stays outside and is not written off.
Yet over 3 years later and 9 months post bankruptcy discharge, the secured lender sent up to date personal information regarding the joint mortgage.
I am unsure whether any obligation exists for them to do so given the bankruptcy had ended and they opted over 3 years ago to remain outside.
Hypothetically, can the ISI continue endlessly to seek personal information on a joint loan that wasn't part of the bankruptcy and more importantly can they do it without either the consent or knowledge of either the discharged bankrupt or the non bankrupted spouse?
As explained, as far as I can see, the reasons for the request from the ISI was relatively innocuous, tidying up stuff.
But the ease at which the lender just assumed they should fire back everything requested without question or reference to either of us concerns me.
In general I have found the ISI was ill prepared for the 1 year implementation and have been very slack on many things.