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Shared ownership repossession
twirl1234
Posts: 1 Newbie
Hope this is the correct section. This is a little bit complicated so i'll try and explain it all.
Two years ago I decided to go back to college and then university so moved back in with my father. I was living in a shared ownership (25%) flat and had it up for sale and permission to rent it out until it sold. However my mother was being kicked out of her rented house for not paying so I let her move into my flat so she wasn't on the street. 2 years later and she still refuses to pay any rent or go to the council for rent money and i've come to the end of my financial tether.
I've been using my university loans to pay for her to live there for 2 years while my father has let me live with him for free but enough is enough. She never signed any tenancy agreements with me and the bills are in my name still, including a £400 electricity bill she has run up which has meant i've had bailiffs after me for payment.
I'm convinced with speaking to her that she is mentally ill but the doctors won't do anything as she isn't an immediate physical threat to herself or others and after speaking to the doctor/council/CAB/housing association the best advice I have gotten is to let the flat be repossessed and hope she kicks up and gets arrested so she can be sectioned.
Now to the actual question. What is the quickest way to let my flat be repossessed? My mortgage is with the Halifax and rent with Waterloo Homes. I honestly just want to be rid of the place now and I don't care about getting a mortgage anytime soon. I'm not sure who to contact or what departments and what to say whether it be ringing or writing to someone, or what the actual process will be.
Hope someone can help, sorry for the big wall of text.
Two years ago I decided to go back to college and then university so moved back in with my father. I was living in a shared ownership (25%) flat and had it up for sale and permission to rent it out until it sold. However my mother was being kicked out of her rented house for not paying so I let her move into my flat so she wasn't on the street. 2 years later and she still refuses to pay any rent or go to the council for rent money and i've come to the end of my financial tether.
I've been using my university loans to pay for her to live there for 2 years while my father has let me live with him for free but enough is enough. She never signed any tenancy agreements with me and the bills are in my name still, including a £400 electricity bill she has run up which has meant i've had bailiffs after me for payment.
I'm convinced with speaking to her that she is mentally ill but the doctors won't do anything as she isn't an immediate physical threat to herself or others and after speaking to the doctor/council/CAB/housing association the best advice I have gotten is to let the flat be repossessed and hope she kicks up and gets arrested so she can be sectioned.
Now to the actual question. What is the quickest way to let my flat be repossessed? My mortgage is with the Halifax and rent with Waterloo Homes. I honestly just want to be rid of the place now and I don't care about getting a mortgage anytime soon. I'm not sure who to contact or what departments and what to say whether it be ringing or writing to someone, or what the actual process will be.
Hope someone can help, sorry for the big wall of text.
0
Comments
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Google "voluntary repossession".
Take note of all the warnings. It will have much broader impacts than just stopping you from getting a mortgage.
Talk to CAB before doing anything.0 -
What is the quickest way to get your house repossessed?
Just hand the keys at any office of the lender.
But this is not a course of action to be taken lightly - see the posting above.Early retired - 18th December 2014
If your dreams don't scare you, they're not big enough0 -
Are you actually behind with your mortgage as you haven't said?An opinion is just that..... An opinion0
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