Ex won't pay half to negative equity debt

lisyloo

Maybe, just leave it to go to court, if he shows he is willing to pay his half then, they make take pity!!

I certainly wouldn't bank on that.
As many others have said he owes the money and the law doesn't just change because they feel sorry for someone.

I would get some professional advice.
If he just doens't pay it could be very damaging and he needs to be aware of the consequences.
For example if the courts force his employer to dock his wages, this will make him very unpopular with his employer which coudl affect his chances of promotion or increase his chances of redundancy.
He needs to understand this before taking any decisions.

Do you have legal advice on your home insurance?
If so then use it and speak to a solicitor.
I am sure they will tell you he is liable but they might be able to advise on what measure he can take against his ex if any.

gratefulforhelp_2

You are jointly and severally liable, as has been pointed out. He will need to pay to maintain his credit record (and possibly house, if any).

However...try an offer in full and final settlement of around 15% of the existing debt, be prepared to go up from that...and make the offer marked "without prejudice".

If they agree, only pay when you have it in writing.

It might work, he may still have to pay. He could consider taking the ex to court for the shortfall, but it may well cost more than he actually pays over his half IYSWIM.

angelsmomma

I had a joint mortgage with my ex, he left and we put the house on the market. I paid the full mortgage as I was still there with my children. The house took a while to sell (mainly because he was not prepared to take a lower offer which would have cleared the mortgage but with nothing over to split between us) and he got impatient. He then insisted I moved out. I warned him that if I did I would not be able to afford the mortgage. I had to move as he insisted over and over.

The mortgage was never paid again, repossessed and a huge debt had built up. I refused to make up the shortfall as I saw it as his fault for making me move out when I was paying the mortgage. He had to pay £300 a month for several years. I never paid any. The mortgage company did not even ask me, they don't care who pays it as long as it is paid.

dwsjarcmcd

The other point I would add to all of this is while the debt remains unpaid, it is wracking up interest and possibly other charges.

charlearose

also i would be very wary of putting on your mortgage at any time in the future unless the debt /mortaged is cleared off
as they could look at your house as his and possibly force a sale /slap a charge on your home even if he hasnt put a penny into it

Gorgeous_George

You keep talking about 'his half'. He doesn't have a half - he owes all of it.

Just pay it and move on (but try a full and final offer of course). Your happiness will be revenge enough and one day his ex may have a nice shiny car.

GG

Janie1975

Hi Guys,

Just an update to say firstly, thanks for all your help and suggestions, we really were at a loss.

So, my fiance made a full and final offer of £5,000 as suggested and it was accepted!! We are just awaiting it in writing now, and they are disassociating him with the whole remainder of the debt.
They will still be going for his ex for the remainder, but that is not our concern now as his name will be removed for the debt! :j

Thanks all again, it was really helpful, if not what I wanted to hear at the time sometimes!!!