Secured Debt on house by ex partner

colliewobbler

Hi everyone,

I have a property with an ex partner who continued to stay in the house for 2 years after we split. She then disappeared leaving the house in arrears and had ran up numerous bills and left it in a state.

I paid off the arrears, fixed it up and spoke to a solicitor to try and get my name soley on the mortgage. Whilst doing this he found there was a secured debt on the house of 28k that was a loan of hers, and she had not gone to court or paid anything back.

It has been 3 years and I am completely desperate. I cannot get rid of the property as I'm not allowed to sell it, and every single tenant i have had hasn't paid and the last ones stole everything that wasn't nailed down and let a druggy squat there.

Its costing me more money than I have, my relationship and now my wellbeing. I just can't see a way out other than to let it be repossessed or bankruptcy.

I am a hard worker who has never missed any bill in his life, and I am suffocating with the debts from this house.

Any ideas? Thank you for your help.

Hanky_Panky

I'm quite surprised no-one has replied yet but I'll give it a go:

Quite simply if you had nothing to do with that original £28k debt then they cannot have a 'charge' on the property that you need to recognise. I forget the exact term used but it may be a caution that you can instruct your solicitor to ignore and just get on with selling if that's what you want to do. Apparently it's quite common for solicitors to be a bit wary about this as they have to ensure that the purchasers have clear title so you may need to force the issue. There is another thread on here that you should read called 'Charging Orders - The Myth'.

Good luck.