wavejumper
Registered User
- Messages
- 118
Send them a letter attaching copies of all your documents; including any divorce / separation decrees if thats appropriate.
House is clearly yours, all legal requirements have been taken care of; someone in AIB is being a jobsworth.
Give them two weeks to confirm & tell them you'll escalate otherwise.
Pretty much.no one seems to know their job very well.
thank you, I had a look at these prior to requesting the mortgage redemption from AIB and found it very helpful, I'm only back here asking because AIB seems adamant they want my ex wife back in Ireland living with me so they can release obsolete documentation.
I'm only back here asking because AIB seems adamant they want my ex wife back in Ireland living with me so they can release obsolete documentation.
Hi, the mortgage remained indeed in both names as it was the only way to retain the tracker, we changed the titles ownership with our solicitors, I have contacted the solicitor firm this was originally stipulated with for assistance but I wanted to inform myself a bit while I wait to see them.A thought.
It may be that the mortgage remained in both names even if the title was transferred?
I suggest that OP may need to engage a solicitor to properly look at the situation and engage meaningfully with AIB.
Without actually seeing all the paperwork, anything here is speculation.
mf
This I suspect is the nub of your problem.During the lifetime of the mortgage my partner and I divorced, I paid her off (the mortgage was in both our names)
thank you for your answer. I think also this being a different bank from the original issuer of the loan adds another layer to this enigma hitting AIB.This I suspect is the nub of your problem.
While you got a divorce and paid off your former spouse you left the mortgage unchanged.
What you should have done from the banks perspective was to raise a new mortgage by yourself and clear the former joint mortgage.
There are legal protections to stop a spouse selling the family home without consent and something similar is happening here.
Sadly I suspect you must follow their protocols as they have no intention of releasing the title deeds based on the sole say-so of one party while it remains in joint names on their books.
I fear that there are quite a lot of people in a similar predicament as they simply kept paying the mortgage as it stood.
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