Property dispute on a joint mortgage after separation

TastyTingram

Hi,

Hope you guys can get help me as I'm at a loss. I'll try and keep this short as possible.

Details are:

Tenants in Common Mortgage

No Children

Not married

Over £10,000 in arrears so far.......

We split up in Sept 2022, I moved out Aug 2023 as it wasn't working out living together and also having a new partner. When I ended our 24 year relationship, I asked to sell the property so we can equally get the money from the property, she wanted to stay in there. She has not worked since Dec 2021 and I think only recently she got a part time job (Oct 2024) She stopped paying anything towards the mortgage since Apr 2023.

No payments to the mortgage have been made, for last 6 months.
I got a Property Dispute Solicitor involved last year, it went back and fourth several times as she was trying to negotiate ridiculous amounts of money from me, when it's a joint mortgage, that is equally shared with the equity. Me and the solicitor got the point where I could take her to court and start court proceedings against her to force the sale of the property based on her not working, not paying towards the mortgage, no children and not married.

Unfortunately, To then go to court would cost me between £25,000 - £30,000 and I've already spent £11,000 in solicitors fees (loans etc).

I contacted Citizen Advice but they said they couldn't help and said to go back to my Solicitors which I said I couldn't afford anymore.

My Solicitor has no options, CA couldn't help and Barclays have everything from me to prove that I can't afford the mortgage as my only option was to force repossession, which is extreme but my only other way of getting something out of this. I have my first new born and we need a bigger property for her.

Is there anything else I could do? Normally repossession start after 3 months of no payments but it's been 6 and Barclays just say they are chasing the other party and it's a automated system, once started could take a year and my credit rating is getting completely battered and hard for my future now.

She has stopped talking to me in anyway, for the last 6 months, not replying to anything I send over etc. She wanted to buy me out but she is not working and has no way of finding funds to do so. She has been saying this since Sept 2022 and everything she has said has been lie so have no trust in her. She asked for more time and I kept giving her time with no result.

Really appreciate any kind of ideas. I might go back to CA again and try again with this.

silvercar

Move back in! That may focus her mind.

TastyTingram

I Would, but would be difficult as she has a guy in there now and 3 big dogs. small 3 bed bungalow. It did, however, cross my mind but would make my current relationship very hard on us, as she is is pregnant and already has a 6 year old boy so i couldn't leave her to look after him and herself, just to make things difficult with my ex.