Mortgages/finances after separation

Sasky03

uys,

I’m hoping for a bit of advice as I’m struggling to find a resolution.

I split with a very volitile husband last August. I had to leave our home. We had bought a year and a half ago-joint mortgage. I had to leave as he was becoming very aggressive and I knew I was no longer safe. He refused to leave. So I took on a years lease. I was there 6 months and he then said he wanted out of our home to live with another woman. He started threatening to stop paying the mortgage. Thankfully I had a very understanding landlady who kindly let me out of the lease! Back into our old home and he moved out.
So there is now a joint mortgage with nationwide BS. Mortgage is £36k and value around £75.
Ex financially went on a crazy spending spree and decided to take out an IVA. So I am paying off on my own an old overdraft worrth £3k and a personal joint loan of £16k to put in a new bathroom and kitchen. The loan is with Tesco and I spoke to them b4 Xmas to explain my circumstances. They were very good and said I could make 3 reduced payments. I did this- I’ve never missed a payment on anything else in 6 years. Problem is I went to remortgage in my own right(he agreed to take his name off the mortgage info paid the debts) I went to the mortgage shop but they can’t get me a mortgage as Tesco went and marked thoses moths as arrears. They never told me this would happen. I’ve been fighting so hard to keep my credit file clean. I’m gutted and not sure what to do. I’m worried that I’m paying off his debts and realistically he could walk in a few years down the line and demand half the house. Seems so unfair. Thought of putting mums name on it instead but would have to pay £1k stamp duty and higher tax as would be deemed a second property for her.
I contacted sub prime lenders yesterday but because I’m Northern Ireland they can’t help. Apparently ni have no sub prime lenders.

At my wits end. Tesco say that unless my arrears are sorted out by the first of next month it will show. I’m assuming they are going to default me!

Anyone have any advice at all?

Thanks

foxy-stoat

If you are not divorced and financially split then I would get some legal advice.

I do not know the IVA provider's approach on coming after the equity in the house on year 5 of the IVA in this situation but at it would appear that the equity you have is at risk.

Sasky03

foxy-stoat.
I hadn!!!8217;t even thought of that! I!!!8217;ll make an appointment to see a solicitor.

Thanks