mortgage advice after separation

tess1981

i appreciate you putting in layman's terms for me. basically i cant rent it and change mortgage? so got to sell and take loss?

Jenniefour

As others have advised talk to a solicitor - you need to know exactly where you stand and how to deal with your ex. And let them know you're paying £120 of his debt a month as well. This guy is a piece of work - irresponsible and unrealistic as well. You need advice for your specific situation - including how to approach all this - from a solicitor. What a difficult situation to be in - but it sounds as though you're going to be much better offin the longer term by severing all ties with this guy so he doesn't turn out to be the next millstone around your neck.

Good luck.

tess1981

how right you are - and nicely put, thanks for your advice, going to see solicitor tomorrow. do you think it will help my case if i show solicitor all the threats i've received from him? or would that be provoking without good reason?

blueberrypie

Your solicitor will be best able to help you if he/she has all the information. Don't use him/her as a counsellor - don't go off on a rant about your ex - you're paying for the solicitor's time! But do tell him/her about anything that's relevant to the financial issues and/or your ex's behaviour and likely response to anything that happens, and take any evidence of all of it with you.

tess1981

don't want to use as counsellor but when he's threatened destruction of property, that's surely relevant?

TrickyDicky

tess1981 wrote: »

don't want to use as counsellor but when he's threatened destruction of property, that's surely relevant?

If he followed through, it could probably be taken as harrassment or abuse and should be reported to the police.

tess1981

he hasn't followed through on threats, just says will burn down with me in it as insurance claim - bit scared to be honest

blueberrypie

tess1981 wrote: »

he hasn't followed through on threats, just says will burn down with me in it as insurance claim - bit scared to be honest

I think you need to take this seriously - I'm not saying it was a serious threat, but the fact that he'd make such a threat is an indication of the kind of situation you're in.

I'm echoing the advice to speak to a solicitor. However I think it might also be a good idea for you to speak to someone who supports people dealing with domestic violence - they will be able to advise you about your options and what you should and should not be looking out for, and what you should and should not be doing. It might also be advisable to go to the police - certainly the threats justify it, but sometimes the way in which reporting it is handled can make a difference to the consequences, and a domestic abuse support organisation is best-placed to advise you on this.

tess1981

thanks for the advice - i've contacted womens domestic aid who say they can offer me some advice and support. if i had a guarantor would i be any more likely to get first time landlord mortgage do you think? :think:

Wh05apk

tess1981 wrote: »

he hasn't followed through on threats, just says will burn down with me in it as insurance claim - bit scared to be honest

Police, solicitor, in that order, don't mess about, they will take threats like that very seriously.