Muddle2018
Registered User
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- 101
Bones of story : Bought in 2004, separated in 2006, ex moved out in 2007 and did not contribute one cent to mortgage from start 2007 onwards and also has not once engaged the bank since 2007.
Divorced in 2015 and I took on 64k arrears, 100K negative equity, paid all outstanding bills and loans to include his car loan all to just keep house and get rid of him. Both signed divorce papers which had similar wording to 'cannot benefit from the others finances from this day forth' kind of stuff.
From divorce date to now I have restructured mortgage without his signature, capitalised on the arrears and then entered into a split agreement. He was never contacted about a restructure and had been written off as non contactable by bank at this point. I took on the mortgage by myself with hopes of taking him off loan when I can as I am the sole beneficiary of the home although cannot remember exact wording on court docs but he cannot contest or look for sale unless I stop paying mortgage which again, I have been paying alone for 11 years.
Roll on to recent weeks. Tracker has been given back to me. I was contacted with amount to be taken off mortgage balance and another amount in redress and compensation from 2008 when I was affected until 2018. 10 years being affected, 10 years of me solely paying mortgage. Agreement sent out to be signed by us both - I query this with bank as they have been unable to contact him in 12 years but miraculously he has contacted them himself only recently and now realises there is a few quid (that I overpaid) due back. He now has decided he wants a 50/50 split of this money (23k). I have been advised by bank to contact my solicitor.
Question - does he have a leg to stand on and can he benefit from the money I and I alone have put into this mortgage the past 10 years? Not sure if it sways anything but I am the sole parent of a young child who works/does not claim benefits and have never had any outside help paying mortgage be it from him, another partner or the state.
I am both gutted and annoyed right now - actually also very emotional that he would stoop so low because as far as I am concerned a real man would not do this but maybe I am wrong.
Advice? Comments? Am I really going to have to give that b'stard more money that i can ill afford to give him?
Divorced in 2015 and I took on 64k arrears, 100K negative equity, paid all outstanding bills and loans to include his car loan all to just keep house and get rid of him. Both signed divorce papers which had similar wording to 'cannot benefit from the others finances from this day forth' kind of stuff.
From divorce date to now I have restructured mortgage without his signature, capitalised on the arrears and then entered into a split agreement. He was never contacted about a restructure and had been written off as non contactable by bank at this point. I took on the mortgage by myself with hopes of taking him off loan when I can as I am the sole beneficiary of the home although cannot remember exact wording on court docs but he cannot contest or look for sale unless I stop paying mortgage which again, I have been paying alone for 11 years.
Roll on to recent weeks. Tracker has been given back to me. I was contacted with amount to be taken off mortgage balance and another amount in redress and compensation from 2008 when I was affected until 2018. 10 years being affected, 10 years of me solely paying mortgage. Agreement sent out to be signed by us both - I query this with bank as they have been unable to contact him in 12 years but miraculously he has contacted them himself only recently and now realises there is a few quid (that I overpaid) due back. He now has decided he wants a 50/50 split of this money (23k). I have been advised by bank to contact my solicitor.
Question - does he have a leg to stand on and can he benefit from the money I and I alone have put into this mortgage the past 10 years? Not sure if it sways anything but I am the sole parent of a young child who works/does not claim benefits and have never had any outside help paying mortgage be it from him, another partner or the state.
I am both gutted and annoyed right now - actually also very emotional that he would stoop so low because as far as I am concerned a real man would not do this but maybe I am wrong.
Advice? Comments? Am I really going to have to give that b'stard more money that i can ill afford to give him?