Muddle2018
Registered User
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- 101
Not sure if my situation is the same but definitely similar in ways. I have posted before but a general synopsis is that we bought in 2003, remortgaged 2004, split in 2006 and he stopped paying anything towards the house from 2007. He actually walked into the bank and handed them back the keys at that point in 2007 and walked away, refusing to give them his new contact details. I took on everything myself at this point.
In 2013 we finally got divorced. I got statements together from my bank and the mortgage company and proved it was solely myself paying everything. My ex husband then signed an agreement that he would surrender his interest in the home which was the intended agreement and I walked out of court with a lot of debt but he walked out with no rights to my property. His name is connection to the deeds but he cannot benefit from my death nor can he force a sale unless I stop paying the mortgage for a period of I think 6 months or more. I was told in court to try and get his name off the mortgage as soon as i could.
In 2015 I was granted a split mortgage without his signature as he was non contactable. This is the reason given on every bit of paperwork through the bank.
2018 I was deemed inpacted and sent a pack. I was owed a lot of interest and a fair whack of redress. This is when my ex had to be contacted again and this is when it went a bit pear shaped but potentially for the best. HIs solicitor is saying I never intended to try get his name off the mortgage as I entered into a split so he will not sign the redress over to me unless I put it off the mortage and try to get his name off the mortgage which I now see is the best course of action. Despite showing and proving 11 years of repayments the bank have asked that from last month for me to pay the full amount each month for three months (full being the amount my mortage will be going forward putting the split back together and keeping tracker rate) and then we can go through the transfer to get his name off. Once that is done I can put in details to the land registry and have him removed as this is what my court order said.
Basically the one thing that stood to me throughout all of this is patience, a good support network and the fact I am still alive because up until the divorce date over 7 years after we split up, he still had rights to benefit from a home he was not making any payment towards.
In 2013 we finally got divorced. I got statements together from my bank and the mortgage company and proved it was solely myself paying everything. My ex husband then signed an agreement that he would surrender his interest in the home which was the intended agreement and I walked out of court with a lot of debt but he walked out with no rights to my property. His name is connection to the deeds but he cannot benefit from my death nor can he force a sale unless I stop paying the mortgage for a period of I think 6 months or more. I was told in court to try and get his name off the mortgage as soon as i could.
In 2015 I was granted a split mortgage without his signature as he was non contactable. This is the reason given on every bit of paperwork through the bank.
2018 I was deemed inpacted and sent a pack. I was owed a lot of interest and a fair whack of redress. This is when my ex had to be contacted again and this is when it went a bit pear shaped but potentially for the best. HIs solicitor is saying I never intended to try get his name off the mortgage as I entered into a split so he will not sign the redress over to me unless I put it off the mortage and try to get his name off the mortgage which I now see is the best course of action. Despite showing and proving 11 years of repayments the bank have asked that from last month for me to pay the full amount each month for three months (full being the amount my mortage will be going forward putting the split back together and keeping tracker rate) and then we can go through the transfer to get his name off. Once that is done I can put in details to the land registry and have him removed as this is what my court order said.
Basically the one thing that stood to me throughout all of this is patience, a good support network and the fact I am still alive because up until the divorce date over 7 years after we split up, he still had rights to benefit from a home he was not making any payment towards.