Mortgage and house now In trouble, please help!

[Harper10]

Hi,




I am just after a bit of advice from anyone really about what we can do in our current situation.

Myself and my ex parter of 10 years purchased a house in 2014 only for me to find out he had been cheating for the best part of a year and we separated in 2015. His name was still on our mortgage and currently still is, he walked away totally from the house, said he wanted nothing to do with it and has not paid a penny since. We have now received a letter from a solicitor under his instruction saying we have until February to either remove his name or after this the house will be put on the market. This will essentially make me, my new parter and 2 children homeless.




Due to Covid and everything that’s happened this year my partners hours have been cut at his place of work and he is only doing half the hours he usually would, and I am currently not working for the first time since I was 15 due to my health. Our money situation is not great. It will cost us to start the process to remove his name from the mortgage, which is something we don’t have, and I am doubtful the mortgage company would allow me and my parter to take over the mortgage given our current circumstances.




I suppose what I really want to know is, after everything he put me though shouldn’t he be the one to pay the mortgage company to remove his name and not me? And also can he really make us sell after all time and potentially make us all homeless?




Also, should I write to his solicitor myself and explain the situation as I have above? As we are definitely not in a position to pay for a solicitor.




Please any advice at all would really help.

[efpom]

Your post is somewhat confused, and without seeing a suitably redacted letter from the solicitor, it is difficult to see what the solicitor's client wants to achieve.

It seems. from your writing that he wants to escape liability for paying the mortgage on the property and also wishes to put the property on the market, presumably so as to turn into cash, his equity in the property.

Certainly, if there are significant arrears on the mortgage, the lender, can seek, and will probably obtain, an order of possession, the property will be sold and whatever is left after the outstanding mortgage amount, and expenses in taking possession and selling the property are deducted, the remainder, if any is split between the mortgagors, i.e. you and your former partner.

It is unlikely, in my view, that the mortgagee, i.e. the lender would allow one of the mortgagors to "come off the mortgage".

[Scot22]

Surely he has accepted some responsibility for the children and their welfare ?

[Scot22]

I'll not comment on previous disgraceful post.

He is the father and has responsibility for the children he has procreated. I realise you have financial difficulties so contact one of the charities who support women in your position.

As a human being his irresponsible behaviour disgusts me.

[MIKE770]

Madam, what did you think before having children. Do you want your ex to pay the house where you now live with a new man and children because of cheating? What are your complaints about your ex if he left and does not live there and what prevents you from simply discharging him from there? You don't have where to live, and you know how to have children and then complain to everyone about your ex. I am also a woman, but before you spread your legs you have to think about where your family will live if your husband did not think about it when he sits on your neck. Write to Mortgage Broker Doncaster to get advice and think ahead about the worst so that later you will be prepared for the fact that the former sometimes does not remain your debts

no idea about real life and situations arise.