Can someone turn the light on at the end of the tunnel?

Thrifty_Pixie

I would strongly reiterate that you should see someone legal ASAP. It sounds very much like he is more than happy for you to pay for the house because he can then claim 1/2 when you sell. He's got it made!

If you can't get a mortgage on your own for the house you're in I would suggest pushing to sell it and get a cheaper place...on your own

Good luck!

TP
:coffee:

Cathy64

Hello

Only in a terraced house nothing of great value - have such a good mortgage deal that it would be more expensive to rent than to pay the mortgage. Feeling more positive - managed to pay off a £200 debt today which felt great cannot wait to pay the next one off. Ringing the solicitors tomorrow for an appointment hopefully next week to get things moving. Busy collating all information I can think of to take with me also list of questions to ask.

Many thanks

sistafromanothermista

Fingers crossed everything goes ok for you
:T On paying off £200 :T

Willing2Learn

Great idea Cathy. Be prepared. I always have my notes and questions ready to ensure I keep my focus and prevent me leaving disappointed that I forgot to get all the information/advice I was seeking

lacelady1

It will get sorted Cathy, promise....I never thought my situation would ever end, I could write a book just about those 3 years...but it does and you will have full financial control over your life, and that's a good place to be :-)

Thrifty_Pixie

Cathy64 wrote: »

Hello

Only in a terraced house nothing of great value - have such a good mortgage deal that it would be more expensive to rent than to pay the mortgage. Feeling more positive - managed to pay off a £200 debt today which felt great cannot wait to pay the next one off. Ringing the solicitors tomorrow for an appointment hopefully next week to get things moving. Busy collating all information I can think of to take with me also list of questions to ask.

Many thanks

Good for you :T

Cathy64

Hello

I am Back to square one - just come back from the Solicitors stated unable to help until I have the Bank's agreement to change the deeds on the house. If I remember rightly when I went to the bank they said they couldn't do anything until my husband's name was off the deeds - it is a vicious circle.

As I was sorting out all my paperwork I came across an old loan which I took out myself for £12,000 (with my Bank who also hold my mortgage) which was unsecured (now paid off) so if the Bank agreed to an unsecured loan so why am I not allowed to carry on the mortgage in my own name which is only £13,000 for 3 years? AAArrrgggghhh

I will have to make an appointment with the Bank again to plead my case.

Why does it cost so much to get divorced? When the Solicitor went through the divorce process they stated that in my instance if both sides were in agreement that it was just a paper exercise - yet was approximately just short of £2,000.

Another suggestion from the Solicitor was to go through a Financial Adviser if no joy from the Bank to look at alternative solutions.

I'll get there in the end.

RAS

Hi

What age are the children?

To start the divorce proceedings, you only need to download the paperwork from the internet and pay the £380 fee.

But you do need help with the consent order; I am guessing the hubbie is hoping that if he hangs on in there and waits until the mortgage is paid off and the children over 18, he will get half despite your paying the mortgage for 10 years.

You need to sort this sooner rather than later.

Cathy64

Many thanks

The children are all in full-time education 18, 16 and 11. He only has contact with the youngest when it suits him.

I am waiting for the Solicitor to ring me back regarding Legal Aid as I only thought this was for use for people out of work and that Legal Aid only covered Court costs.

If the Bank is not in agreement I will just have to look at other lenders. The Solicitor said that they could draw up a contract stating that my husband has no claim on the property once the mortgage is paid but I wanted to take over the mortgage to enable me to consolidate all my debts and be debt free with just the mortgage to pay which would make life a lot easier. If unable to do this then would be struggling for the remainder of the term and I don't want to be penny pinching anymore.

I will have a look on internet for the paperwork.

Many thanks again.

PurpleJay

Hi

Just wanted to suggest that you try other lenders. When I took out my mortgage 3 years ago, I was separated and the nationwide with whom i banked and had a mortgage with previously with no problems, wouldn't touch me as part of my income was part time work and the rest from tax credits. Both northern rock, and the Halifax who I went with were happy to lend on that basis. I had a good credit rating which helped.

Good luck with getting it sorted.