House hell woes :(

fedupclare

Hi there,
I am after some much needed advice . I shall try and be as consise as possible.

5 years ago and with a disabled child, myself and my common law partner moved to the area to get onto the property ladder. He worked full time, I was a full tiem carer to my child.
We where living in dorset and renting, houses where expensive down there. His family lived in Lancashire where house prices where reasonable..

So we relocated and he and his dad went together on a mortage for a 1890 terraced house. His dad already owned his house outright and had wuite reasonable credit. My partner and I had been with a debt management company prior to this and so had bad credit. I didn’t go onto the mortage as I didn’t work, and my credit was worse.

The house was valued at 65-70 grand, the house was bought for 57,500. It was a fixed rate mortage, paying back the actual amount owed.
Partners father had nothing more to do with the house and was not interested in it either,

Partner met the mortage repayments with out a problem, working steadily with a reasonable paid job.

I never saw the valuation resport at the time, however there where a lot of things found with the house. Over time I gave birth 2 more children, unforutnalty one of them was also disabled. Partner lost his job and ended up taking a pay cut to sercure another job with in the same department (DWP)

The house started to suffer from problems, that many other people on the street also faced. The worst being damp. the houses are near a coal mine and it would appear that all the houses on the street suffered damp to a degree.
The area also started to deteriorate, many people moved out. Leaving empty houses and beingign with it crime. The area became less desirable and house prices started to fall.

It came ot a point where the house became inhabitable, the floor boards starts the rot, the roof became unstable, there was a long list of problems.

Partner could nto afford to put the hous e straight and it was effecting the health of the kids. I was advised by social services that I should move out asap, for the welfare of the kids.

With no family support and with 2 disabled children and a young baby I needed the help of my partner. Partner explored all avenues to try and get the house fixed. By this time the house was valued at between 35-40 grand. With 50 grand outstanding on the mortage. Partner could nto afford to fix the house and could not sell the house in negative equity.

Over time with the stress of the house, and with the childrens needs we unfortunately split up.

Partner moved in with his parents and I moved to a housing association house. The house was left empty whilst he tried to decide what he could do with it.

He still has poor credit and can not get a loan to at least fix the house up to sell even at a break even price to his mortage. The house is deteriorating more and more.

His bank is not being helpful, they will not allow him to sell it at a loss, as they will expect the deficite ot be paid back asap. This would potentially be at the sum of 15,000 + with the early replayment fee added.

Companies that will buy your house will offer 35,000 max.

The huse keeps getting broken in to, Despite having it boadrd up with metal shutters by a repitable company,. Each time thehouse is vandelised.

Partner has a scooter to get to work on and everything else he owns is on credit.

We never had anything joint, and the house is in both his and his dads name.

His dad now only works part time due to ill health, his mother can not work due to ill health, partners siblings still live with the parents. So they are not in a situation to help either.

What options does partner have with the house?

We would one day like to try and reconcile for the sake of the kids and live together, as the needs of the 2 disabled children need to be met. However with the house in this situation he cant even move in with me even if we wanted him to, as the housing association wants to see proof of his house being sold,.

Of the house was sold he would possibly move in with me, and pay the rent and run the household, and we could be a family unit again.
This is of course if we decide we can put aside our differences and be together again. It’s a long shot, but for the sake of the kids would be the best option.

The CAB offered nbo sort of help, and he dosnt know what to do.
The stress from it all is effecting his work . He has never defalted on the mortage.
:(

silvercar

Get a few quotes from sell-me-quick companies, post them with the keys in an envelope back to the lender. Let them voluntarily repossess and move on with your lives.

At some point the lender will get in touch with your ex and try and get a repayment plan set up to pay back the shortfall. At that point he can decide what to do. In the mean time he can get on with his life and possibly reconcile with you. At least with the house repossessed there would be no bar to him moving in with you.

Personally, I doubt that the housing association can stop him moving in, they can prevent him going on the tenancy, but I doubt they have a right to prevent him moving in at least on a temporary basis.