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Dear All, I don't know where else to turn and hope someone can guide me to further help. I had a repossession hearing in Sept 2012 with First Plus for a nasty secured loan taken out in Dec 2005 to consolidate debts (2/3rds my ex husbands and 1/3rd mine) I had left my husband in August 2009 and got no help with the mortgages or child support. The judge suspended the order and I had to pay arrears spread over remaining term £600 a month) within 6 months I realised there was no way I could meet basic living costs for me and my children whilst paying that amount to first plus so I stopped paying both 1st and 2nd mortgage and moved into rented in July 2013 and when first plus's collection agents called I told them I had left and to Reposess the house!
Suddenly they could now accept £147.50 a month and I have been paying that ever since with no contact/ no statements/ no hassle. I rented the house out till last February and returned to it in November 2015. In January 2016 I got a letter from Elderbridge saying they have taken over from first plus. I am still paying £147.50 a month. I am on income support, full child tax credit and support for my mortgage interest with NRAM and the secured debt is coming down on my credit file. My concern is that one day Elderbridge might use the suspended Reposession order that I've breached to evict me. I'm keeping up with my 1st mortgage and slowly chipping away at their arrears. I left my husband in 2009 after finding evidence he had used credit cards to gamble amongst other things.
I want to keep my house. I have 3 children aged 1-9. I want to break free of my ex husband and Elderbridge but do not want to open a can of worms by contacting them. My ex husband is suffering from mental health problems. He has always been a head burier in the sand. He persuaded his elderly parents to mortgage their house and they gave him £110,000 in 2010 which he blew. I think this was ment to pay first plus off. I am not looking to wriggle out of paying my debt off, I just want treating fairly, want all the facts about him taking into account and want to not panic everytime a van pulls up outside that it's bailiffs coming to repossess me. My parents want to help me out but they dare not while I'm tied to my ex still as they could be wasting their money.
My ex still has £60k personal debt (I have very minimal now) he lives in a 1 bed flat, he spends huge sums on smoking/drinking/ probably still gambling then borrows money off me at the end of the month. My divorce lawyer isn't interested in my case ( I'm sure its not financially viable for her) and has gone on for so many years, my ex never got a lawyer and rarely responds to my lawyers letters so I am between nisi and absolute. I would be really very grateful to hear what anyone thinks is a good way forward. House is in negative equity still and first mortgage is NRAM interest only. Rents are rocketing and I want to keep this house, I've been fighting since 2012 and have kept it this long. Any questions please ask. Sorry this got long ��
Suddenly they could now accept £147.50 a month and I have been paying that ever since with no contact/ no statements/ no hassle. I rented the house out till last February and returned to it in November 2015. In January 2016 I got a letter from Elderbridge saying they have taken over from first plus. I am still paying £147.50 a month. I am on income support, full child tax credit and support for my mortgage interest with NRAM and the secured debt is coming down on my credit file. My concern is that one day Elderbridge might use the suspended Reposession order that I've breached to evict me. I'm keeping up with my 1st mortgage and slowly chipping away at their arrears. I left my husband in 2009 after finding evidence he had used credit cards to gamble amongst other things.
I want to keep my house. I have 3 children aged 1-9. I want to break free of my ex husband and Elderbridge but do not want to open a can of worms by contacting them. My ex husband is suffering from mental health problems. He has always been a head burier in the sand. He persuaded his elderly parents to mortgage their house and they gave him £110,000 in 2010 which he blew. I think this was ment to pay first plus off. I am not looking to wriggle out of paying my debt off, I just want treating fairly, want all the facts about him taking into account and want to not panic everytime a van pulls up outside that it's bailiffs coming to repossess me. My parents want to help me out but they dare not while I'm tied to my ex still as they could be wasting their money.
My ex still has £60k personal debt (I have very minimal now) he lives in a 1 bed flat, he spends huge sums on smoking/drinking/ probably still gambling then borrows money off me at the end of the month. My divorce lawyer isn't interested in my case ( I'm sure its not financially viable for her) and has gone on for so many years, my ex never got a lawyer and rarely responds to my lawyers letters so I am between nisi and absolute. I would be really very grateful to hear what anyone thinks is a good way forward. House is in negative equity still and first mortgage is NRAM interest only. Rents are rocketing and I want to keep this house, I've been fighting since 2012 and have kept it this long. Any questions please ask. Sorry this got long ��
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