To report someone for possible mortgage fraud

[Wheredoistart78]

Is it fraudulent to not declare an existing mortgage in another country when you apply for one in the UK?

Can you sell the house and downsize?

Even if you could report him to somewhere it’s not going to make him suddenly start paying his share of the mortgage he has with you.

This seems very common in my circle of friends. The man leaves. Stops paying the mortgage leaving the woman to continue raising his children and paying his mortgage while he moves on.
The only thing you can do is divorce and get a financial agreement in place and force a sale on the house if you cannot afford it alone

So wait, are you in England too?

“mortgage provider is useless. They couldn't even take his address and phone number from me, he had to give these himself.”

They’re not useless.
They have no need of that information.
You signed a mortgage agreement with them to be joint and severally liable.
Unless you stop paying, they don’t need to contact him.
They’re not going to use their money to chase him down for payment until you both stop paying. That is part of the protection they gave themselves when they jointly loaned to you both.
The mortgage company has no role in your personal affairs with him.

@Testina nine years actually. I couldn't find him. He went to UK and disappeared. It was only recently he made a mistake and I got his UK address.

If you don't understand what the poster is asking then you aren't in a position to answer the question.

Well reading the thread didn’t help you either (and I am not surprised), because OP is not helping us to help her, although finally established OP is not in the UK.

Sorry, cross post, I see you're in Ireland.

Fuck him, concentrate on you. You need advice on how to keep the mortgage manageable - possibly downsize - and get him off it.

So you've managed for almost 10 years? Why on earth would you want anything from a man who clearly has no respect for you?

You’ve finally mentioned the word “husband”, but you’ve said “ex”.
So, are you actually divorced or are you just throwing those terms around as shorthand?
What were the financial terms of the divorce, as far the house was concerned?

No she isn't!

This - there are some really knowledgeable people who can help OP. If you give the facts.

Contact a debt advice agency and see what they say. Is there any help towards legal fees or equivalent to the citizens advice burea? To be honest if I were you I would look for somewhere else asap and in the meantime either force him to sell (via court if you have to) or stop paying the mortgage and let it be repossessed. Do not kill yourself lining his pockets. He sounds like a complete waste of space and you and your children are better off without him. You just need to sever all ties now and aombow get rid of that house

Whether or not your ex husband has committed mortgage fraud is wholly irrelevant to your financial struggles and him getting caught of mortgage fraud if he committed one is not going to help you or your children in any way.

You need to get back to your divorce lawyer and figure out what the agreement was. If it was that you keep the house and do payments then that was the deal. If you went to court and reached a settlement but the ex hasn't kept his end of the deal then that's the problem, not whether or not he committed mortgage fraud seven years ago.

Your family is struggling financially, you should focus on that instead of worrying about things that are not going to help you in any way.

I have thirty years experience in multinational financial services organisations. I am sure I could give a fairly decent reply, but no, I can’t follow OP either. Although I think she is asking the wrong questions.

Oh dear, sounds like the best thing would be to sell the house as pp have said. I don't know anything about these things but hopefully you'll get to keep all the equity since he hasn't been paying maintenance all these years.

@Testina we are still legally married. I couldn't find him to divorce him. I'm trying now but he won't engage with anyone. I suspect he is stringing the situation out until our youngest child turns 18 and he can force a sale on the house. I would welcome this but to proceed with the divorce we have to settle maintenance etc. He won't engage as he doesn't want to pay me anything.

Seriously @Wheredoistart78 the last thing you should be doing here is spitefully trying to cause trouble over a fraudulent mortgage application in the U.K. - that may not even have been fraudulent.

Why? Because 2015-2023 ownership here in the U.K. means he almost certainly has had a big rise in property value. Which is lucky for you and perfect for offsetting any claim against the value of the house you jointly own in Ireland.

It sounds like you cannot afford the mortgage any more in Ireland, so even if you didn’t have to buy him out a single penny you may have to sell.

Go to Citizens Advice Ireland if you can’t afford legal advice.

You could probably get advice on here - but not if you keep obfuscating!

Where are you based? Obviously the law varies from country to country, but in the UK at least, after five years of separation you can divorce him without his consent.

It’s really not helpful to call him your ex husband because you’ll miss out on the right advice.

Seriously, forget about his U.K. mortgage application.

There will be a set process under Irish law for a spouse who refuses to engage. Follow it.

@Testina yes, his property has massively increased in value since he bought as has mine.

I think if that's the case, you need to act on it fast. You don't want him to financially benefit in the future from you paying his share of the mortgage for the last 9 years.

Go for abandonment, it's been long enough.

So what have you done so far to divorce him and resolve the financial situation?
I’m not in Ireland but in 10 minutes of being on the this thread I know from Google that in Ireland you can divorce him and seek a financial order from the court on finances if he refuses to engage.

If you think that the equity increase in the house would be a fair settlement if all awarded to you, I would divorce him without his engagement (you meet several of the criteria in Ireland) and ask the court to give you full ownership of the house. At which point, as you can’t afford the mortgage, sell and downsize. If you actually have an active divorce application, you may find that the mortgage lender is prepared to wait - you’ll be trashing your credit rating not paying, but due to the legal complication for them in this situation, they could well decide it’s not with their while to repossess until your divorce is finalised.