joint mortgage but ex paying nothing

Kieranlouise

Doing nothing isn't really an option. It may be cheaper than renting but I earn enough to take on a mortgage in my own name now so taking the risk of him coming back in years to come & demanding half when more of the mortgage has been paid by me, is far too much of a risk for me to take. Also I would like to be able to sell at some point in the future without having this hanging over me. No advice on the hitman which is disappointing

dlmcr

If a mortgage company has to reposses a house where the mortgage hadn't been been paid for some time, and the house was in a very bad condition with things like the kitchen and bathroom badly damaged, then it would sell for a lot less than it would on the open market in the condition that it might be if the ex was agreeable in certain ways. There are also the fees the bank would charge for the service of repossession, further reducing the amount available. Just something to think about when communicating a full and final settlement figure to the ex.

sammyjammy

Bless you, I really feel for you. I don't have any advice but really hope you can work this out. He really is a Mr Nasty isn't he. I almost think its worth offering him £500 to sign the papers but even if he agreed he would probably hold you to ransom at the last minute.

I can't believe that if you have proof that you gave him money and paid all the mortgage payments yourself that this doesn't get taken into account. The law is an !!! sometimes.

I'm assuming the law is the same in Scotland? Its sometimes quite different in than in the rest of the UK.

Kieranlouise

Thank you & yes I have been thinking along those lines as a last option. If he is determined to be an a hole then my final card to play will be to stop paying the mortgage & let the bank go for repossession. It isn't what I want as I have always prided myself on my good credit & it goes against my values but I'd rather lose everything I put in than see him gain anything. I've paid for a brand new kitchen, central heating etc but would rip all of that out before the repossession. I don't like playing dirty but if forced I'll be the dirtiest player going.

Kieranlouise

Thanks sammyjammy, yes the law is a weird thing. I understand that they don't want to go into the ins & outs of who paid what but really for what the solicitors/judges are earning you'd think they would. Morals & fairness don't seem to come into it, which is exactly what is wrong with this world. I'm going to ask the solicitor tomorrow to offer a nominal amount as a final offer but I'm not feeling confident about the outcome, after that I'm relying on karma to do his thing.

Jenniefour

Don't rip anything out - especially kitchen as this will mean no-one can get a mortgage to buy it, only cash buyers. Understand you feel frustrated and hopefully you can do a deal with him, which might be the least costly option in the long run.

Kieranlouise

Feeling frustrated is an understatement, I feel backed Into a corner like you wouldn't believe. I feel like I have worked my whole life to be screwed over by another. I get up between 1 & 3am & work 12hr shifts only for some waster to be able
to walk in & take it all off me because I was a dumbass & thought I was being decent............anyway about that hitman?????

pjcox2005

See if your solicitor will be co-operative in writing a vague letter to the ex. If you word it around "you want to take on full ownership of the property, have requested that you sign the documents but given your refusal will have to take it to court" rather than offering a nominal amount.


That would be factually correct, and on headed paper from solicitor may be enough for him to back away and accept he doesn't want to be in a legal battle. I'd expect he'd think the note and lack of payments goes against him too.


If it doesn't work, then try a nominal payment if you can stomach it.

Mnd

I feel for you, I wouldn't pay anything else.
Go on judge rinder. ..show him up on national tv!

Good luck