How to get out of a joint mortgage

carlym81uk

Hi all
Just wanted a bit of advice (solicitors appointment pending!)
Last July i bought a house with my now ex boyfriend. . Unfortunately back in January we split up. We have been living together since, but quite frankly i can't take anymore of it , the fighting etc. It's getting out of hand and i just can't move on whilst i'm still there.
Basically we went to see the lender in Feb to see if he could take the mortgage on ( i made the appointment etc). He was told he was not able to afford it. Since then, he has done nothing to try and move things forward. I have asked and asked to no avail, what he wants to do, ie try another lender or sell. He is completely unwilling to talk about it. Burying his head in the sand. The other day i told him i was going to go to a solicitor and force the sale. He laughed in my face and told me good luck as it would cost me a fortune. I am seriously thinking of not paying my half now and having it reposessed, which i know would ruin my chances of future mortgages and loans etc. But things are so bad at home that I'm running out of options.
I also got a loan from black horse for a car which is up next april. He has removed me from teh insurance so i can't drive it. He is the registered keeper of the car, and he pays the money into the bank account each month. But we agreed to share the car. Everything is going wrong , just don't know where to turn
Thanks for any help
x

Yorkie1

The advice given to you earlier in the year holds just as true now as it did then (ignoring the posts which hijacked your earlier thread, of course!!)

https://forums.moneysavingexpert.com/discussion/4467599=

carlym81uk

Thanks but was looking for a bit more more info such as of I was too not pay my hand if it would be re possessed? How would this affect my credit rating etc. Can only see that as my way out.

ACG

It would be repossessed, it would affect your credit report and mortgage applications ask if you have had a property repossessed so this will affect you for a long time.

If you want to force the sale you can do. It will cost you to get a solicitor to do it but it can be done.

Dan:_4

Why is he not willing to sell?

dotdash79

My girlfriends brother has just got the court to force the house he shared with his ex.

It's cost about 1k so far, if you can prove that you are making the effort to resolve the situation and he has made none, then there is a good chance you might get cost awarded to you as well.

You can normally get a free 30 min consultation with a solicitor, and if you do proceed payment isn't made until after the case is dealt with by then you should be able to pay any cost from the equity.

If the court agrees that the house should be sold they will have regular reviews to see how things are going.

If you go for a consultation then make sure your ex "accidentally" finds out about it, it might make him sit up and take notice.