Second charge on my mortgage

edited 31 July 2017 at 4:23PM in N. Ireland
12 replies 2.6K views
StresseddddStressedddd Forumite
2 Posts
edited 31 July 2017 at 4:23PM in N. Ireland
Please can someone help am going out of my mind with worry,
Its long story but here goes...
16years ago I found myself in a bit of a mess,I have a mortgage on my home in my name only which I have had since 1997, my partner had left me while I was pregnant in 2000,after having my daughter I found myself suffering post natal depression I couldn't go back to work for a while.
with me owning my own home I wasn't entitled to any financial support.
my ex partner vanished,so the long and the short of it I took out a loan advertised in the newspaper for 5000 to pay off 4 months mortgage arrears and well basically live and support my child until I was able to go back to work 12months later.
I paid the loan for 12months then found myself missing payments as I had to pay child care etc etc etc.
Since then I received a few letters from the company. I contacted them asking for copies of the paperwork to be told they don't have them to hand.
12 years ago I met my husband and was more financially stable. I contacted them again and was given the same answer.
the debt was on my credit file up until 5 years ago. I have had no correspondence from the company.
we have had another baby our home now is too small and we want to move but my mortgage company state there is second charge on my property. They gave me the name and address of the company. I contacted them, they said the person that dealt with that particular company has since left and they will try and find any details for me,I am beside myself with worry we really need to move,my husband does not know any of this,his name is not on the mortgage just mine...
Please please can anyone advise me on what I should be doing,I will make an appointment with a solicitor but can someone please advise me for now. any help would be gratefully received thank you for reading
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Replies

  • If you really want someone to read (and offer advice), the odd full stop and new paragraph wouldn't go amiss
    NO MORE HANDWASH GLITCHES PLEASE :D:D
  • CherrysconeCherryscone Forumite
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    You might be best posting on the part off the forum that could deal better with this maybe
    The Mortgages & Endowments Board

    Good Luck and you really need to tell your Husband.
    ~We are all going to hell and guess who Is driving the bus~
  • Two suggestions.
    (1) Citizen's advice
    (2) Punctuation.

    Seriously, you will get a lot of useful information on here and other forums but no one could or should be expected to read that without even an attempt at a full stop. It is totally inaccessible.

    Suggest you edit.
  • qwert_yuiopqwert_yuiop Forumite
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    I'd suggest you'll feel a bit better after you've confessed all to your husband. After that, you're just going to have to pay the bill.

    James Joyce wrote like that and people think he was brilliant.
    “What means that trump?” Timon of Athens by William Shakespeare
  • RikMRikM Forumite
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    I'd suggest you'll feel a bit better after you've confessed all to your husband. After that, you're just going to have to pay the bill.

    James Joyce wrote like that and people think he was brilliant.

    ...if unreadable... :)
  • CottaCotta Forumite
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    If you really want someone to read (and offer advice), the odd full stop and new paragraph wouldn't go amiss

    In fairness three full stops were used on line two.
  • CherrysconeCherryscone Forumite
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    Give the Girl a break !
    New user and all that.
    ~We are all going to hell and guess who Is driving the bus~
  • qwert_yuiopqwert_yuiop Forumite
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    Yes, and tricky on an iPhone when driving, I'm sure you all find.
    “What means that trump?” Timon of Athens by William Shakespeare
  • x12yhpx12yhp Forumite
    801 Posts
    Nice welcome guys. I hope your smart friends try to make you look stupid every time you are something less than perfect geniuses.
    Always overestimating...
  • edited 31 July 2017 at 8:27PM
    qwert_yuiopqwert_yuiop Forumite
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    edited 31 July 2017 at 8:27PM
    Indeed, but more to the point, who has any sensible, useful advice for this poster?

    Ever read a page of "finnegan's wake"? It's all you'll need. Stream of consciousness and all that.
    I didn't find the above particularly difficult to follow.

    The offensive behaviour that irritates me here is from the posters who spell words in some altered, sneering, supposedly superior fashion. They then invariably make some accidental spelling error, usually accompanied by grammar that would embarrass a newly arrived Slovak immigrant.
    “What means that trump?” Timon of Athens by William Shakespeare
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