Joint mortgage with Ex husband- how much does he need to know?

Kelly-18

Hi, I still have a joint mortgage with my ex husband (he's named only and not making any payments). I've recently lost my job and am in arrears. I've spoken to my mortgage company and advised that I'll soon be awarded benefits and they agreed that once I'm in receipt they can set up a payment plan. Problem is, mortgage company need to inform him of arrears and get his consent to set up a paymeant plan. My ex is a nasty piece of work and although he's remarried, kids and left behind a ton of debt before he left the UK, he is a controlling and vindictive man and I KNOW that if he's aware of the arrears, he will not consent to anything as he would rather see me homeless and house repossessed. Is there anyway I can stop him knowing? Mortgage company advised me to contact CAB and if I feel any threat to contact police!!!!
I simply want yo be able to sort things with my mortgage without his input as he'll take any excuse to make my life hell!!!!

ACG

Your going to be setting up a payment plan which will effectively ruin his credit (along with yours) when/if he returns to the UK.

He has a right to know.

Looking at this from the lenders and his point of view, the lender can not be seen to give him bad credit because you say hes not a nice person... You could have quit your job in order to go on to a payment plan in order to ruin his credit? (I have met people who have missed payments on purpose to do just that).

Kelly-18

I see your point however, he left the UK to dodge his debts so he would not return to the UK because of this and the fact his job keeps him out if the UK.
Saying I would give up my job so that I could give him bad credit is very unfair! I've never missed a payment on my mortgage since taking it out in 2006 and as well as maintaining this 'I' was the one who had to try and pay off his debt as well!
You could have said the simpler answer 'no'!

Floxxie

How about selling the house? I am assuming when you say he is still named on the mortgage, the house was transferred to you in the divorce and he is only named because you could not take on a mortgage yourself?

If you can't settle the debt without going on a payment plan (and the subsequent problems that could occur), then I would sell up.

I do understand as I could not obtain consent to let as there is no way my ex-husband would sign to agree to me letting out the house.

KRB2725

Have the bank got contact details for him if he has left the UK?

Floxxie

emmatthews wrote: »

Have the bank got contact details for him if he has left the UK?

Even if they haven't, they won't consent until they have a signature.

aero1

Floxxie I feel your pain and your frustration - my ex although not contributed to the mortgage in the last seven years, still holds all the cards as I cant do anything without his agreement.
My advice, with the added hindsight of the years since the divorce, is sell up and let it go. Wish to God I had. My lovely new hubby and me and now stuck in a house that I cannot remortgage, cannot improve, and my ex's bad credit is ruining mine to the point that I cant even get a store card!

sell up, move on and let him be totally out of your life. the house will be a milestone around your neck that you will grow to hate.

Floxxie

Ok so now I shall tell you the rest of my story. Having escaped the country, I had left the house empty and I was left paying the mortgage and rent. The mortgage lender wouldn't help and the ex was determined I should lose everything
And for a while I felt hopeless and could not see a way through it all so I decided that as the house wasn't selling, I would put tenants in there and I would tell the bank that I was doing so. The bank did not object in writing - in fact they have recently increased my mortgage term. So that is what I did. Ex-husband is currently collecting evidence to try and take me back to court but I care not.
So OP if I was you, I would be writing to the lender advising them that you have been made redundant and you are aware they need your ex' consent to accept a payment plan but while this is being sorted, you want yo carry on paying x amount rather than nothing at all. Advise when you will start paying. Take a copy and send off. The important thing is to not be controlled by an ex.

ACG

I never said you WOULD, I said you COULD. There is a pretty big difference. But stop taking what I said to heart, I have no idea about you or your ex. Im not judging either of you.

I could have said "no" but I wanted to give you a reason why it was not possible and an example to help you understand.

You need to seriously think about what your doing here. What would you do if he came back in 10 years once the mortgage is a lot less and house price a lot more and asked for his half of the house?

Floxxie

Well let's hope the OP sorted the house out in the divorce and he has no interest in the property. Personally if I was the OP I would sell up and be rid of the debt and the ex.

Kelly-18

Hi Floxxie, and all,
Thank you for your replies.
I am intending yo put the house on the market as if I don't, I will never be able to cut ties!