Fraud

princeofpounds

As stated if this was a fraudulent application you do not need to ask to get your name taken off. It was never legally put on in the first place. You would *demand*.

However, to correct this situation you would need to make official reports of the crime as your name will be on the mortgage 'system' for now.

Do you receive support from your ex? Reporting a crime might affect his ability to earn an income. This is not a threat, there may be various ways of dealing with this. But anyone giving you advice will need to know and you will need to think about things like this.

If there is no equity in the house what sort of compensation do you think you will get? And from who? Remember the mortgage lender is also a victim here.

xyellowx

he risks losing his business/house/and going to jail

work out how much you think half of the equity should of been and tell him you want it asap
he seems good at filling out paper work so should be more than able to apply for a personal loan he will know what they want to hear

if this happened 6 years ago and you seperated 3 years ago why leave it till now?

Let_Us_See

xyellowx wrote: »

...work out how much you think half of the equity should of been and tell him you want it asap?

There is no remaining equity.

From a legal point of view you are aware a crime (fraud) has taken place and you will be culpable to the crime if you fail to report it. Looking after your own interests cannot be used in mitigation. If your ex-husband has committed fraud then he should be investigated, and if found guilty, banned to protect others from his lack of honest practice.

Yorkie1

Let_Us_See wrote: »

There is no remaining equity.

From a legal point of view you are aware a crime (fraud) has taken place and you will be culpable to the crime if you fail to report it. Looking after your own interests cannot be used in mitigation. If your ex-husband has committed fraud then he should be investigated, and if found guilty, banned to protect others from his lack of honest practice.

This is wrong. There is no duty on a citizen to report a crime once aware of it.

Thrugelmir

Yorkie1 wrote: »

This is wrong. There is no duty on a citizen to report a crime once aware of it.

Likewise little point raising it as an issue when circumstances have changed.

ValHaller

Let_Us_See wrote: »

There is no remaining equity.

From a legal point of view you are aware a crime (fraud) has taken place and you will be culpable to the crime if you fail to report it. Looking after your own interests cannot be used in mitigation. If your ex-husband has committed fraud then he should be investigated, and if found guilty, banned to protect others from his lack of honest practice.

Is this the case? The mortgage lender don't have a valid charge over the property .....

Johnhowell

Could you not claim Occupational Rent from him?

Ask a solicitor - free half hour.

Good luck.

Let_Us_See

Perhaps I could have phrased it better, but fraud has been committed. Whilst you were not aware of the fact at the time, you have known for the past four years that a fraudulent mortgage application was processed, and even if you would rather ignore the circumstances, you are irretrievably linked to a case of mortgage fraud.

Whilst I have sympathy for your position the problem is not going to go away.

whitewing

Maybe try speaking to Women's Aid; I would expect they have seen similar cases.

xyellowx

Let_Us_See wrote: »

There is no remaining equity.

From a legal point of view you are aware a crime (fraud) has taken place and you will be culpable to the crime if you fail to report it. Looking after your own interests cannot be used in mitigation. If your ex-husband has committed fraud then he should be investigated, and if found guilty, banned to protect others from his lack of honest practice.

there must of been equity or how did he remortgage a house with no equity in it?