Request for transcript of mortgage holiday application 30 April 2020 at 11:09AM in Mortgages & Endowments 6 replies 271 views

Jackie26

Hi, I have been seperated from my husband since Sept 2018 he has not paid towards the mortgage since this time, the bank account changed from a joint account to me paying it from my personal account.  He now has to pay interim spousal maintenance, he contacted the building society and requested a three month mortgage holiday without my knowledge.  My question is can I request a copy of the transcript, the building society can only make an informed decision on the information given, and i would like to know what the decision was based on.  He has since reduced my maintenance without notice or without an application to the courts for the amount to be reviewed, once again taking control of my life.  I do have a solicitor but thought it may help going forward if I could get a copy of the transcript, it is a joint mortgage.  Any help would be appreciated.  Thank you.

zx81

You coulld ask, but the odds are against them having it.

md258

Would getting the transcript make any difference? As far as the building society are concerned, you can both give instructions (such as requesting a payment holiday) for the mortgage and they will act upon them.

Can you afford not to take the mortgage holiday if he stops paying you any money? If so I'd suggest giving them a ring and requesting the holiday is reversed and also saying that you're splitting from your husband and they shouldn't take instructions from him. I don't know the process but they can help you with what can be done.

Has your husband had a drop in his income that would explain (but not justify) his actions?

Thrugelmir

If you wish to continue paying the mortgage then there's nothing to stop you doing so. 
While the other issues aren't relevant to this board. Is it possible that he has been furloughed. In the process suffering a reduction in salary. Is the maintenance paid by attachment to earnings? 

bradders1983

Thrugelmir said:

If you wish to continue paying the mortgage then there's nothing to stop you doing so. 
While the other issues are relevant to this board. Is it possible that he has been furloughed. In the process suffering a reduction in salary. Is the maintenance paid by attachment to earnings? 

And if she continues to pay it, it would cancel out the extra interest. OP, are you paying the mortgage still?

davidmcn

If you're talking about a phone call, I presume if you get anything it'll be a recording, not a transcript. I doubt the bank are going to spend their time typing it up for you. 

JMA74

At the moment most mortgage holiday applications are not means tested in any way.  He would just have had to fill in a online form saying he wants a payment holiday and that's pretty much it. 
It's not an advised process so the bank doesn't have to keep records or proofs in the same way. 

You should be able to put a marital dispute indicator on the account though.  I suspect that will also stop you transacting on the account without his permission though.   The bank doesn't care about who is right or wrong in a dispute, they just change to needing both clients authority for anything rather than just 1 at the moment.