ex has gone bankrupt im still on mortgage what are my rites

nel1978

My ex went bankrupt a year back i moved out of the property with our 2 children he wouldnt let me stay there i am on the mortgage he has now moved his new girlfriend in i want to move in to the house he wont let me near the property where do i stand and would i be able to sell the house as he has told me i cant do anything because of the official receiver and states there is no equity in the property

maninthestreet

Are you still contributing to the mortgage?
Were you married to your 'ex', or were you just co-habiting?

The_J

no im afraid i think you are pretty stuck especially as there is no equity in the property but the worst thing is probably that your credit rating has been destroyed with the mortgage not being paid its likely that the property will be repossessed shortly anyway so at least you will be free of the mortgage unfortunately this means you will be renting for the next 10 years as no bank will lend you money worse if there is no equity in the property and it is sold at a loss you will have to pay the bank the shortfall as it is a joint responsibility although if your ex is going bankrupt then they may try and chase you for all of it not good i hope you understand this i didnt use punctuation either