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Remove ex from deeds

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Hi guys,

i really need some advice. I have a property, i have owned for 13 years, i bought off my mother who paid the deposit. My ex (not married) lived with me at the time and came on the mortgage with me, he moved out after a year so he hasn’t contributed for 12 years. I am now married with a child and so he is he. I have not been in a position to get him off the mortgage (good old nhs wage) i now have a mortgage offer to finally get him off the mortgage, my problem is, he now lives in southern ireland. I have tried to contact him through old family members, social media and email. He has responded. Im at my wits end, im on a variable rate mortgate and overpaying, i have an offer that saves me £300 per month but i just can’t get in touch with him. He always said that he wasn’t interested in the house as i bought it from my mum (she died as we separated)

Can i get a court order? How much does it cost and what do i need to prove to say ive tried to contact him? 

Thanks in advance 

Comments

  • tacpot12
    tacpot12 Posts: 9,235 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    If you have Home Insurance, check to see if you have Legal Expenses cover. If you do, you may be able to call the Legal Helpline offered by your insurers for advice. They might worry that there is a conflict of interest, but if you confirm that you are the policy holder and that he doesn't live in the proeprty any longer and hasn't for however many years, they may be able to to help you. 


    The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.
  • Hoenir
    Hoenir Posts: 7,519 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 5 October 2024 at 12:16AM
    Did you have a Declaration of Trust drafted when you both applied for the mortgage?  How was the property ownership registered? 
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