Bought a house with my ex who is now bankrupt

I_dont_believe_it

To the forum,

I posted on here a couple of years ago and got into a little bit of trouble as people on here as persons affiliated with the other person drew inferences. The police turned up at my door for apparent harassement and the post was removed even though I kept it neutral and was genuinely seeking advice. This time all 'inferences will be removed' As will all gender references etc.

Right... here goes!

xxx years ago my ex did a runner for another person and decided there and then to stop all contributions to the mortgage and our joint debts. xxx months down the line they went bankrupt. The first I knew of it was when the mortgage company - who had given us a mortgage coupling our existing debts into one easily managed payment, came after me asking what was going to happen next. This person did not have much in the way of debt other than our joint liabilities. The reason for going bankrupt was out of spite and to get out of the relationship!

My job is extremely BR sensitive especially (they knew it) now I work for myself and I thought this other persons job would be BR sensitive too. I subsequently learn that rather than penalise they have actually progressed!!! I cannot really make any further remarks as to this persons job as I know they will be watching, but suffice to say it has something to do with BR and no doubt anyone on here who is BR has dealt with one of these.

I will admit I was a little upset when I found out they went BR and I did make a call to this person with a somewhat upset tone in my voice - there were, may I point out, NO THREATS ever made to this person, but I did beg them not to go BR. Still the police turned up with an harassement order. Though affiliated members could draw an inference due to timing (hence the xxx in place of numbers).

In short the last xxx years have been difficult, the recession took its toll I had to take a 30% reduction on my salary and when things perked up I had accumulated such a vast amount of arrears on my mortgage/debt that all the benefit had been wiped out in trying to achieve a level playing field. I have had to sell my most prized possessions in order to pay bills, I've faced repossession, court action etc just to try and juggle what I now owe and what I am solely paying out on a monthly basis. For all intents and purposes I could quite easily go bankrupt - justifiably but I might as well kiss goodbye to my career.

I had to take a job abroad and give up a perfectly stable position within a good company and go freelance to sell myself to the highest bidder just to pay off this debt and keep the roof above my head. I was studying for a degree which I had to quit due to lack of money. And quite frankly I am sick of it all. I'm living in a house I don't want to live in, in an area over 150 miles away from family and friends doing a job that to be honest I'd rather not be doing in terms of not having stability, progression etc with a house in major negative equity - that is falling apart around me. The brief stint abroad took its toll on me costing me more than it was worth and I am facing a huge tax bill which is going to hurt, which means juggling my existing finances to sort it out.

I understand that even if you are bankrupt you are liable for all secured debts. Does this mean I can seek to recover this non-payment? Other than that what else is available to me?

The mortgage company will not let me do anything to the mortgage as they declared it a 'matrimonial fued' or something meaning both parties have to agree to everything. Now my mortgage is up for renewal and this person refuses to cooperate. Can anyone advise of what I can do? Can I compell them? Can I get a court to sign on their behalf?

It seems so unfair that this last resort was used to bail from a failing situation - one that at the time I was unaware it was failing. Be aware yes I am driven by spite, but a little bit of justice may make me feel a lot better. I've lost so much in order to avoid bankruptcy and without this persons cooperation it has just made it even more difficult. I am quite stuck.

I am now in a position where I can finally seek legal advice but I don't particularly want to waste my time if there is nothing I can do.

tigerfeet2006

Give Business Debtline a call and go through your situation with them.

Sorry can't help with the house and compelling someone but hopefully someone will be able to help tonight or tomorrow.