TSB MORTGAGE PAYMENT HOLIDAY REFUSAL DUE TO DIVORCE

cromaloop

Hi, I am in proper dire straights now due to going self employed last year to give myself time for a college course to become retrained so I cannot claim for help there, My partner works 20 hours a week around school hours so i cannot claim benefits then my only option left is a mortgage payment holiday and hope to get through with a little amount of savings which were helping my college course

I applied to TSB for a mortgage holiday which has been refused, I have 999 credit score, been debt free for 15 years but got divorced 3 years ago, I kept the house and through a solictor TSB agreed to remove her from any liability or responsibility of the house and mortgage, in return I kept the house and saved the hassle and cost of a remortgage, its very common thing to do these days.

I have less than a year left to go, never defaulted ever but they refused a holiday in this coronavirus outbreak as she now has to agree in writing to this break even with no liability. I haven't heard or seen her since she moved in with the other person and have no idea or clue where she is or any contact details anymore as she has moved out of the area. TSB said she has an account still with them but they cannot get any response from her either and im now stuck with my own family as to what to do and TSB have made continuous promises to call back with answer or other solution and never do, they suggested i just talk to the debt team about killing my credit score and refusing to pay the monthly payments as they just seem uninterested in help or a solution
Any help would be great please as I am tempted to go down the non payment route and chat about this in court but that means ill be destroyed for renewing next january
Thanks
Keith

Jeremy535897

Did you have a solicitor to advise you? If you didn't, it seems to me that TSB are responsible for their own mess. If TSB agreed to remove her from any liability or responsibility, why do they now need her consent to something that cannot affect her?

Galloglass

What names are on the title deeds. You say "responsibility" has been removed but was the ownership changed?

spiro

Galloglass said:

What names are on the title deeds. You say "responsibility" has been removed but was the ownership changed?

That sounds a possible cause especially with the mention of not having to remortgage.

Jeremy535897

Surely any divorce lawyer would have ensured the title deeds were put in OP's sole name? But I agree this could be an issue.
If you want to find out, and the property is on the Land Registry, you can get a copy of the deeds (for a fee).
https://www.gov.uk/government/organisations/land-registry