husband left me in a financial mess

dolphin0fm6

I left my husband last year, and he stayed in our jointly owned house. We both continued to pay the mortgage plus two joint loans we had. After staying with my Mum for six months, I now rent a property near to where I work. However, he has since disappeared abroad leaving me with a hefty mortgage and the joint loans. He has gutted the house, sold all the furniture, ripped up the carpets and left it uninhabitable. Obviously I am unable to sell it or even let it out without his signature, and the courts are taking forever to sort it out so that it can be sold. Meanwhile, I can only afford to pay my half of the mortgage, and next month I will be two months in arrears and Northern Rock say they will start taking legal action. I dont want to let it get repossessed, as I am counting on the sale to pay off both the joint loans as well. As well as all this, I am around £50K in debt myself, and I am slowly disappearing down a deep hole. My solicitor is close to useless and is impossible to get hold of. Anyone got any ideas? Please?

poppysarah

Get a new solicitor.
Letting the house be repossesed is probably all that can happen as your ex has disappeared.
Be prepared for a bumpy ride.

dolphin0fm6

Im kind of thinking thats how its going to end up, but I will be left with two joint loans (both of which we took out to cover most of his debt and our wedding!) and he walks away scot free. Does anyone know how long it can take for this kind of thing to go through the courts? Also, if I do let it out without my mortgage lenders permission, what the repercussions could be?

tattycath

Surely if the loans are in joint names he's jointly liable. Is there no way you can find out where he is? from mutual friends? his family?
Hopefully someone who knows much more about these things will be along shortly

dolphin0fm6

Unfortunatly due to the fact that I left him, Im the bad guy, and his friends and family wont even entertain talking to me, let alone telling me where he his. They are all quite happy to see me go down the toilet. I just have to face it, Im stuck between a rock and a hard place!

poppysarah

You need professional help sorting this mess out. You're probably in a very vulnerable emotional state still - the problems with debt are horrendous but you'll get through it.

Sort out a new solicitor and ask them what can be done to track him down and make him pay half.

The main problem is the banks won't care for the joint liability aspect as they have you to pick on. Unfair? It sure it.

You need to get a divorce started and allocate him half the debt. Again difficult without him being there.

thriftybabe

I am so sorry to hear what has happened to you. You must be ill with worry. Please try the debtors board. There seem to be some good people there who can give you guidance also some of them have been through the same as yourself.

Loretta

You have a huge problem and need all the help you can get. You need a super efficient solicitor, ask friends for recomendations or go and interview a few, you will be paying them so you want one who is going to help you not just add to your worries.

Good luck

scaty

Hi
Similar thing happened to me - he left and I was the one left to pay everything - mortgage, loans etc. No support for the children -CSA threatened to take me to court for not telling them where he was - I had no idea where he went. :mad:

Start the divorce - again, it could take time as there is no where to send papers. But do start.

It is unfair. Get good legal advice straight away. Try not to bury your head and start being strong for yourself.

Support can be found in these forums and amongst your friends and family - use them - in the nicest possible way.;)

have yourself make goals to reach - small but obtainable and realistic.

Hope you can come through it and see how much you can achieve just by
determination.

Good luck and a big hug

neas

For the personal debt.. 50k is alot to owe... pop over to the debt wannabee forum also and ask for some expert advice there .

dexters_mum_2

I had this with my ex, didn't want to sell the house, wouldn't rent it either.
Order of sale took forever.

I changed solicitors and got one with a special interest in debt and repossession, my ex took credit in my name so I was getting wrecked by him.

Get a divorce going through, this is unreasonable behaviour, change solicitors and get a female one if you can, I changed from a male to a female solicitor and it was such a big help, she understood my feelings that the chap didn't!

People here WILL help you, I for one will if you ever want to PM me, you'll need a shoulder to lean on and an ear as well.

You can and YOU WILL get through this.

DM