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Mortgage advise
Options
mikemansuk
Posts: 2 Newbie
Hi there, Mike here.
I have been out of the UK for 8 years. My mortgage was with Chelt&Glou via LloydsTsb.
I called them when I was about to leave the country I won't be able to pay my mortgage when I'm gone so I sent them my house keys to take care of things. Now I would love to know what happens to my house and what my rights are?
I'd appreciate your advise please. Many thanks. Cheers
I have been out of the UK for 8 years. My mortgage was with Chelt&Glou via LloydsTsb.
I called them when I was about to leave the country I won't be able to pay my mortgage when I'm gone so I sent them my house keys to take care of things. Now I would love to know what happens to my house and what my rights are?
I'd appreciate your advise please. Many thanks. Cheers
0
Comments
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You probably need to get a copy of your credit report to find out when it was sold and paid off/defaulted.
That will determine what your options are.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
It was probably sold and proceeds either paid off mortgage or a default showing if insufficient to pay the mortgage off. A credit check on Experian or Noddle May show something. Did you not give them a forwarding address to send correspondence?I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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mikemansuk wrote: »what my rights are?
Rights in what regard?0 -
Doubt it!!!8217;s your house anymore.
Pay £3 and get a copy of the title from land registry0 -
This could a be fun thread. just posting to subscribe to the thread and enjoy the ride
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Thrugelmir wrote: »Rights in what regard?
I just don't know what to do? This may sound daft but I'm better off getting advice on a forum like this if you get what I mean0 -
In your absence the house would have been sold to settle the outstanding debt.0
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