Hi all, I'm new to this site and am looking for some advice.
Basically my husband walked out on me and our 3 kids 2 years ago. We were building our new home at the time and our 3 kids and I moved in Dec '06. He moved to England and we got divorced July '07 (married in Australia). He made 1 payment into mortgage last year and nothing has been paid since. We have gone through the whole court process in England and the final judgement was made at the end of May this year. But ex-h has refused to pay what was ordered and since early July has been made bankrupt in England. He is paying very basic maintenance and at the moment it is being topped up with SWA. I'm hoping that the lone parents will be sorted within the next 2 wks.
For obvious reasons I have not being paying the mortgage but I have kept up with the Life assurance policy and home insurance each month (250 p.m.).
It is only a matter of time before the bank will resposess our home and the arrears are increasing substantially each month as the mortgage is 1,500 p.m. Can anybody tell me what is the process of handing back the keys to the bank and what are the repercussions of this. I just need to put a stop to the increase in arrears and my stress levels are also increasing. It just appears that everything has been landed onto my lap and he just walks away without a care in the world.
FYI he does not come to see kids nor does he call them - all contact is by email which I believe will subside soon.
I forgot to mention that kids and I live in Ireland and our home is here also.
Thanks to advise
Shindig
Basically my husband walked out on me and our 3 kids 2 years ago. We were building our new home at the time and our 3 kids and I moved in Dec '06. He moved to England and we got divorced July '07 (married in Australia). He made 1 payment into mortgage last year and nothing has been paid since. We have gone through the whole court process in England and the final judgement was made at the end of May this year. But ex-h has refused to pay what was ordered and since early July has been made bankrupt in England. He is paying very basic maintenance and at the moment it is being topped up with SWA. I'm hoping that the lone parents will be sorted within the next 2 wks.
For obvious reasons I have not being paying the mortgage but I have kept up with the Life assurance policy and home insurance each month (250 p.m.).
It is only a matter of time before the bank will resposess our home and the arrears are increasing substantially each month as the mortgage is 1,500 p.m. Can anybody tell me what is the process of handing back the keys to the bank and what are the repercussions of this. I just need to put a stop to the increase in arrears and my stress levels are also increasing. It just appears that everything has been landed onto my lap and he just walks away without a care in the world.
FYI he does not come to see kids nor does he call them - all contact is by email which I believe will subside soon.
I forgot to mention that kids and I live in Ireland and our home is here also.
Thanks to advise
Shindig