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House repossessed!!

(8 Posts)
Figrollsnotfatrolls Fri 12-Jan-18 19:22:52

House jointly owned with exh was repossessed in September, I moved out ten years ago. He has now moved into rented house. I also rent with new dh.
Shortfall is nearly 12 K - both responsible as expected. Exh is 15 years older than me and in bad health. Debt being sold on to debt collectors. Is it true it will inevitably be me that pays the majority of the debt when he dies? All divorce paperwork is archived and a technicality prevents me accessing it.
Also being chased for 17/18 Council tax (court at end of month). Research says I am only responsible for a month at most! Exh opened bank accounts in MY dc names and bank confirmed he had vast amounts of cash stashed but I can't prove he maliciously let the house get repossessed.
Accepting I need to pay but pissed off may have to pay all of it!!

Ch1neseM3al Fri 12-Jan-18 22:05:41

If you didnt live in the house why was your name legally still on the house ?

If you divorced, why was there no clean break ?

Why are you liable for council tax for a house that you dont live in ?
Why are you liable to pay debt on a house that you dont live in ?

you need to seek legal advice from a solicitor and or CAB, not from MN asap

Viviennemary Fri 12-Jan-18 22:09:57

Putting in mildly you need legal advice. You can be responsible for council tax on a house you own but don't live in. Same with mortgage. Why didn't you get this sorted out years ago. But get it done now as a priority. First step perhaps CAB.

Ch1neseM3al Fri 12-Jan-18 22:11:21

OP I am sorry that you are in the position
After 10 years you need to clarify an final solution where you are disentangled legally

Please let us know the outcome

Because there have been several other people who have posted recently saying that they too are still related to a house that they dont live in. Obviously there are implications for the future...

Figrollsnotfatrolls Fri 12-Jan-18 22:14:15

After being diagnosed with ptsd after the dc arrangements(4 year court case) I felt unable to sort out the house unfortunately. I have spoken to the mortgage company and am only liable for a month or 2 of council tax. I can't prove he deliberately failed payments deliberately. To anyone out there sort financial stuff ASAP after you split up..

couldnteatawholeone Fri 12-Jan-18 22:26:16

House repossession - sounds like you remained jointly and severly liable and unlike other debts this remains for 12 years not 6.
Council tax - research the councils policies but sounds as if you prob are liable
You are liable for ctax and north payments until property is sold, not necessarily from when it was repossessed.
Get debt advice (if you can find a debt adviser, thanks to legal aid cuts this may be hard......not that I'm bitter or anything)
Be aware that who is chasing you for the debt may not have actually bought the debt and it can be cheaper to ignore them and deal direct with the company you actually owe. But.....
Get advice first!!!! Different tactics in dealing with different types of debts. Don't trust anything on internet. Ignore useful advice from friends. Its usually wrong.
From an ex-legal aid specialist

couldnteatawholeone Fri 12-Jan-18 22:28:10

Mortg not north. Bloody auto correct

RedHelenB Sat 13-Jan-18 06:52:30

If he dies debts have to be settled before anyone can inherit.

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