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Help....I really need to be able to move on :'-(?

Discuss anything to do with property law - buying, selling property

Help....I really need to be able to move on :'-(?

Postby colum » Thu Jul 12, 2012 12:42 pm

Im hoping someone out there will be able to help, im struggling.

Background
I left my husband back in May 2010, it was agreed that he would give me £xx xx amount and he would take on the house and have my name removed from the mortgage.
In Feb 2011 he was found to be embezzling from where he was working and lost his job. He then rented the property to pay the mortgage and made up the short fall. I agreed that during this time I would stay on the mortgage until such a time that he would a)take me off b) sell if he was unable to afford to keep the payments up at no cost to me. I also gave up any monetary rights to the property (I couldn't claim anything if sold for a profit and he couldn't come to me for any money for the house).
In Feb 2012 he was sentenced to 2 years in prison, I was asked to deal with the house until he came out, I stupidly said yes and made up the short fall of the mortgage (£210) for two months! What he didn't say was that in April 2012 the tenant would be moving out, which he knew all along! Fine, I started to deal with the situation and attempted to sell the house only to be told that the ex had given his father power of attorney and he was dealing with the house and I was to stay out and it was none of my business! My name is still on the mortgage! I have now found out that they are trying to rent the property. I want out, Ive had enough of him and his family.

What I would like to know is what can I do? I ideally would like to force them to have my name removed. Unfortunately now I have my own rental property to pay for and can not afford a solicitor and because I'm working full time I'm not entitled to legal aid! Please help, its holding me back from moving on with my life.
colum
 
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Help....I really need to be able to move on :'-(?

Postby aviya » Thu Jul 12, 2012 12:45 pm

You can't get out of your mortgage. The bank is not responsible for your situation.

If you want, I will give you money for sex. That might help. Send naked pictures.
aviya
 
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Help....I really need to be able to move on :'-(?

Postby aethelbert35 » Thu Jul 12, 2012 12:48 pm

You can't have your name removed from the mortgage, and your husband can't do that either.

Look at this from the banks point of view. They have no reason to take you off the mortgage. You both signed the mortgage and your both responsible for the mortgage. The bank can come after you or your husband, or both of you. It's in the banks best interest to keep you both on the mortgage.

The best thing to do is just let it be. Let them do what they want with the property. If they default on the mortgage, the bank might come after you. That's just something you need to accept. You can deal with that when the time comes.

If the bank does come after you, you would then have a right to go after your husband for the money. It might be a good idea to get divorce papers. The divorce papers would be absolute proof that you can hold your husband responsible for the amount of the mortgage.
aethelbert35
 
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