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ANSWERS ON A POSTCARD PLEASE....

  • spongecake
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03 Aug 09 #136024 by spongecake
Topic started by spongecake
Here is my problem, was with ex partner for 13 years and had 3 children...He arranged all the the financial bits and i did the family stuff, as a result the house is in his name alone. My salary for the 13 years was paid directly into his bank account and we paid all the bills etc out of the "one money pot".
The about 18 months ago for varius reasons he left the property, only then did i discover he had drawn down against the mortgage approx 200k (which he had claimed was for building work on the house - never done) and paying of credit cards (also never done.)
He had also taken a mortgage holiday of a year, after which in Court confirmed he was then paying the interest on the house and we were secure.
Not so On friday i had the mortgage debpt recovery chap turn up looking for him and give me the news that we are in arrears and no arragenment was reached with them to not pay the mortage! The are looking to repossess.
I only work part time and have no way of covering the mortgage but even if i did, it appears i have not legal right to the house or its equity (not much left as he has already had it in the 200k) so if a sale is forced then there would be nothing left for the children and i to rehouse ourselves with.

Not getting anywhere with the legal advice as my name is not on the deeds,we were not married and i did not have a contract stating my salary was paying the mortgage so am not entiltled to anything back out of the house, the mortgage company cannot due to confidentuality talk to me with the exaxct amounts envolved so assume we will be evicted. If the house sold asap to cover the mortgage/arrears thats leaves us homeless and there is no equity left - It seems being unmarried has left us finacially very vulnerable, the ex's main aim is not to leave us with anything and he has gone to great lengths to ensure this happens, he not willing to co-operate with the mortgage company and has failed to attend any mediation etc, Does anyone have any bright ideas?

  • NellNoRegrets
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05 Aug 09 #136492 by NellNoRegrets
Reply from NellNoRegrets
Talk to your local Housing Department asap and also contact the Child Support Agency.

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