Ex wont pay half mortgage, sell, or buy me out

Voyager2002

Funky_Bold_Ribena wrote: »

No mention of marriage.

You (and ACG) are right: the OP actually says that they are not married.

I had assumed that only a wife could behave like this!

Anyway, the OP's options are: either go to court and force a sale, or allow the house to be re-possessed. And he should certainly "grow a pair" and stop paying any expenses for the house other than mortgage interest. Perhaps doing so would enable him to pay enough to keep the lender happy until the court order is obtained; and in view of the woman's unreasonable behaviour the court might allow him to reclaim costs from her share of the equity.

Funky_Bold_Ribena

Voyager2002 wrote: »

I had assumed that only a wife could behave like this!

Sigh.

Words fail me sometimes.

ceegee

onestepforward wrote: »

Im going out of my mind, at this rate ill fall back on payments and get a ccj. Worse still im worried her kids will get evicted and loose their bedrooms they are comfortable with. For the kids sakes I really want her to have the house, but she is being so stubborn.

They are not your children. They have their mother and their grandparents to look after them. They are not your responsibility.

Honestly, it sounds like you've been well and truly had.

Get it sorted for your own sake.

Madness, total madness.

First thing Monday morning........make an urgent appointment with a solicitor.

ceegee

Or.....are you winding us up with your post?

onestepforward_2

Id like to thank you all for replies.
I am soft as sh** when it comes to her kids, although not mine, they have grown up with me. I've been the one that's always made them feel better through all the little things, that for kids/teenagers see as the end of the world!
I've contacted the council to stop council tax payments. I have stopped gas, water and Electric.
As far as Court goes, it is the costs that truly throw me! How can something as simple a 50/50 share take 6m to a year to sort out? With costs upwards of 6 grand?
That's staggering.

jamesd

Solicitor time costs money. It takes time for courts to schedule things, they are busy. Get started, the problem isn't going to go away unless you do. She has a free home for as long as you delay in getting the place sold, so she has a clear financial incentive to delay this as long as she possibly can.

Her actions aren't about being fair. They are about extracting the greatest possible benefit from you for her.

Keep in touch with the mortgage company. You might ask them whether they are willing to switch to interest only from the time the legal action is commenced until the property is sold, to reduce your costs during that time. This would show as an arrangement on your and her credit reports. The mortgage company might assert that they cannot do this without her also agreeing. Your response to that is that it's far better for them, you and her than you joining her in not paying or paying reduced amounts without their consent, which is what you may be compelled to do to fund the legal action that will eventually solve the problem.

If you're still able to do it another approach is to try to get a 0% for purchases credit card and put the spending you need to do day to day on that card while saving that money to pay for the legal expenses. This would be less harmful to your credit record than the mortgage route.

Ensure that all places where you have accounts know that you no longer live there and that no actions should be taken if that is used as a contact address. You might also consider asking the main three credit reference agencies to add a notice of correction to your credit record that informs creditors that "There is a dispute between me and the person at my former address xxx. Do not grant credit to any application using that as a contact address. For other applications, do not grant credit without first telephoning me on yyy to confirm that the application for credit is really being made by me."

Voyager2002

onestepforward wrote: »

Id like to thank you all for replies.
I am soft as sh** when it comes to her kids, although not mine, they have grown up with me. I've been the one that's always made them feel better through all the little things, that for kids/teenagers see as the end of the world!
I've contacted the council to stop council tax payments. I have stopped gas, water and Electric.
As far as Court goes, it is the costs that truly throw me! How can something as simple a 50/50 share take 6m to a year to sort out? With costs upwards of 6 grand?
That's staggering.

Well done, you have made progress.

So far as the court and legal costs are concerned, it is probable that quite a fair chunk would be deducted from her share of the equity to reimburse you. If the matter gets to court, you should certainly ask for this. At this stage, your solicitor should write to her explaining what is going to happen. I suspect that once she understands that you are serious, she will start behaving more intelligently.