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Post-Divorce Mortgage Nightmare – Seeking Advice
Hi all, I’m looking for help or guidance from anyone who’s been through something similar.
I divorced over a decade ago and, as part of a legally binding consent order, I signed the marital home over to my ex-wife. She agreed to take full responsibility for the mortgage and to have me released from it. Despite this, she made no effort to remove me from the mortgage, never attempted to sell the house, and failed to make payments for years.
The property was finally repossessed this week, with over £70,000 in arrears. I’ve now learned she hasn’t paid anything for at least five years—and it’s been in arrears since shortly after I left the home. My credit has been destroyed, and I’ve had no ability to act because I wasn’t living there and had no control over the situation.
To make things worse, I discovered in court that she’d been dishonest with me from the start about a fundamental personal detail, which now raises questions about her intent when we signed the agreement.
Despite being named on the mortgage, I’ve had no voice in the process and was even refused a duty solicitor in court because I didn’t live at the property. The judge seemed sympathetic and said I may have a strong case against her.
I’ve served two letters already and plan to file a civil claim for damages. I also have full SAR data from the mortgage company, which shows they only ever dealt with her—even though I remained liable.
Has anyone else been through something like this?
Looking for advice, encouragement, or guidance on the next steps—especially regarding lenders’ responsibilities and similar legal actions.
Thanks in advance.
Hi all, I’m looking for help or guidance from anyone who’s been through something similar.
I divorced over a decade ago and, as part of a legally binding consent order, I signed the marital home over to my ex-wife. She agreed to take full responsibility for the mortgage and to have me released from it. Despite this, she made no effort to remove me from the mortgage, never attempted to sell the house, and failed to make payments for years.
The property was finally repossessed this week, with over £70,000 in arrears. I’ve now learned she hasn’t paid anything for at least five years—and it’s been in arrears since shortly after I left the home. My credit has been destroyed, and I’ve had no ability to act because I wasn’t living there and had no control over the situation.
To make things worse, I discovered in court that she’d been dishonest with me from the start about a fundamental personal detail, which now raises questions about her intent when we signed the agreement.
Despite being named on the mortgage, I’ve had no voice in the process and was even refused a duty solicitor in court because I didn’t live at the property. The judge seemed sympathetic and said I may have a strong case against her.
I’ve served two letters already and plan to file a civil claim for damages. I also have full SAR data from the mortgage company, which shows they only ever dealt with her—even though I remained liable.
Has anyone else been through something like this?
Looking for advice, encouragement, or guidance on the next steps—especially regarding lenders’ responsibilities and similar legal actions.
Thanks in advance.
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