Hi everyone
Posting for my mum who is in need of advice.
In 2021 my mum fled her martial home due to DA. She’s a joint owner and her name is on all mortgage documents. While living there, her husband paid the mortgage while she paid him money towards it. She’s had no choice but to leave and privately rent somewhere for her own safety and has been relying on the slow court system for divorce proceedings to withdraw her stake from the property.
However, since moving out, her husband has been significantly underpaying the mortgage and it’s negatively impacting both their credits. She can’t pay the remaining amount because she’s had to move into private. The mortgage lenders aren’t starting repossession of the house despite it being over a year of very small mortgage payments. She’s been looking at her options for once the assets are divided and she has her money out of the house, but is there a way she can get the markers off her credit file given the DA and situation? She’s concerned she won’t be able to get a mortgage on her own because her credit file will look like she’s failed to keep up with payments.