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Original poster

It seems that dp's ex has not paid the mortgage, what can he do?

11 replies

Carmenere · 27/01/2008 20:15

Their divorce was finalised with the financial settlement ect in September. Dp pays half the mortgage until his dd is 18(she is nearly 17 now) and ex gets the house. Dp was happy with this as he had been paying the whole mortgage for the past four years even though his ex's new dp was living there all the time

So dp has been sending her a cheque for his half the mortgage each month as agreed and afaik they have been cashed. BUT he has just gotten a letter to say that the mortgage is three months in arrears?? WTF?? So legally will dp's credit rating be affected? Or will he have to pay it to keep his credit rating in the black?

OP posts:
ChristmasShinySnowflakes · 27/01/2008 20:17

Who's name is on the mortgage?

If his name is then why on Earth has he not been paying it directly to the mortgage company?

Original poster
Carmenere · 27/01/2008 20:25

It is in both their names I think? He used to pay it directly until the settlement, this problem has seemingly been only since after the settlement and it must be a new arrangement.

OP posts:
ChristmasShinySnowflakes · 27/01/2008 20:27

If his name is on the mortgage then he will be as liable for the arrears as she will be I'd suggest that he see if the cheques have been cashed, and make contact directly to the mortgage company to seek advice.

Original poster
Carmenere · 27/01/2008 20:32

thanks, yes he is going to contact them this morning, the thing is I suspect that she is fully aware that he will have to sort it out to protect his credit the best possible scenario is that the cheques have gone into the wrong account by mistake or something.
Actually if she has cashed the cheques and spent the money he could report her to the police couldn't he? I mean it would be easily provable wouldn't it?

OP posts:
ChristmasShinySnowflakes · 27/01/2008 20:35

Well yes, at least there's a paper trail in terms of him having paid her the money. However, as far as the mortgage company is concerned I'm not sure what his position would be.

I think a solicitors letter sent to her might prompt some action though.

Original poster
Carmenere · 27/01/2008 20:39

the thing is I know she felt hard done by with the settlement ie she got half of everything but felt she deserved more. She also has a history of financial irresponsibility so I would not be suprised if she did this on purpose

OP posts:
ChristmasShinySnowflakes · 27/01/2008 20:48

It's such a shame that he didn't think a little carefully about this and pay the mortgage company direct she sounds very irresponsible and a bit vindictive to be honest.

Original poster
Carmenere · 27/01/2008 20:56

One of her stupid bloody friends got a really good divorce settlement with lots of maintenance so dp's ex thought she deserved the same, neglecting to recognise the fact that dp has lots of dc's and feck all money. dsd thinks she is depressed and her dp is a nasty piece of freeloading dirt and encourages her dreadful behaviour.
Thanks I will post an update tommorow after dp has spoken to the bank.

OP posts:
ChristmasShinySnowflakes · 27/01/2008 21:26

Hope he manages to sort it out!

Original poster
Carmenere · 28/01/2008 12:24

Well he rang the building society and she hasn't paid at all since she was supposed to take over he is about to ring the bank to see if she has cashed his cheques.......

OP posts:
ChristmasShinySnowflakes · 01/02/2008 19:43

Any news Carmenere?

You poor things- what a complete nightmare to sort out!

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