Financial Crisis (Repossesion, Seperation)

[Roobee1967]

Hi,

My and my husband of 17 years separated a year ago. We have one child who is doing her masters, living at uni.

Our marriage broke down 2 years ago after he lost his jo. He lied about being fired for months and was failing to pay mortgage.

I moved out to a seperate flat and he moved in with his mother whilst we rented the house out. We had family friends who we had in to pay the mortgage privately. They fell behind a lot of rent payments so I evicted them, and made the decision to move back in solely rather than paying two seperate lots of bills. (For flat & house) they still owe me over £1000 in bills and I have been completely blocked out.

Due to mortgage being in arrears our mortgage lenders would not let us rent the house out. So this isn’t an option for me, which may be for the best due to previous experience.

Ex husband has not paid a single penny towards the mortgage, joint account loans, credit card, anything since separating nearly two years ago. He enjoys burying his head in the sand and always has. His way of thinking is that he paid mortgage/bills for years so he is entitled to the same (which I know is true - not an issue)

My mother has helped us a lot with mortgage arrears, debts & bills. She paid the arrears of mortgage off. Even paying £10,000 of ex husband credit cards when we lost job. He still owes her all this.

Mortgage is £800per month which I am paying as much as I can off but struggling to make full payments by myself.

I am holding onto my home with dear life and I just want something of mine for my daughters inheritance.
I have offered to pay him out. Even offering to sign the house over to my daughter if anything happens to me. But I don’t think he wants me living in the house we both built for years and would rather see it repossessed. The house is up for sale and has been for two years. I would also struggle to get another mortgage if this one sells as my credit rating has taken a hit from the last two years as a consequence of me paying EVERYTHING myself.

He does not respond to any of my text messages or calls. I have had numerous debt collectors at my door. After months of ignorance I hunted him down at his gf property. We spoke CIVILY and He agreed to think about outcome but has never got back to me (GR!!!!)

I’ve spoken to mortgage lenders and they won’t let me reduce my mortgage due to continuous arrears. I have now been served court order for repossession (great)

What can I do to save my home when the other owner is not co-operating?

Should I give up?

I don’t know who to contact or what to do. I’ve been to solicitor and filed for divorce months ago. I’m STILL waiting for him to provide information about his pension for assets evaluation?

I feel physically sick every day, doctors are telling me i'm stressed and offering anti-depressant which I cannot risk taking with my job.

Long shot but if anyone is in the same situation please shed some light as I'm desperate for help.

Sorry for your situation and to get straight to the point, how come the house has not sold in 2 years? if it had sold 2 years ago then alot of these problems would probably not exist.

So we separated August 2017. We rented it out until around November 2017. It’s been up for sale since then, we’ve had a lot of viewers but no sale. We’ve dropped the price by around £60,000 progressively through the year. So I guess the next step would be to reduce it less than the remaining mortgage if it doesn’t sell in the next couple of weeks.

That’s why I’m on here today asking if anyone knows any alternative routes I can go throug

Thanks for reading - looking back I didn’t realise how long I went on for

You can’t keep your house unless you can afford to keep it on your own, which sounds like you can’t.

How much equity is in the property?

Can you get lodgers in there?

I’m still paying credit cards that my husband racked up. He has no responsibilities and seems to not care about the debt he’s got himself(&us) into.

I’m not asking how I can remain in the house if I can’t afford it

I’m asking if anyone knows how

1. I can go about getting all this debt solely off me and get my husband to pick up his share. Beyond all the measures I’ve gone through. He ignores my mediation requests/calls/visits.

2. If I go to court with my mortgage lenders would they assess situation and my capabilities to pay this taking into account that my husband has caused this financial strain.

Yes I’ve got someone who is willing to move in with me and pay which will help a lot but are put off as it’s facing repossession

Few questions

• whose name is the credit card debt in?
• if you weren't paying that, could you afford the house?

Contact Shelter. They help homeowners too who are at risk of losing their home. You need to get some advice quick smart.

If the credit cards are in your husband's name. Stop paying them. They are his responsibility.

Please contact both Shelter and a debt advice charity like Stepchange.

Check for local support is available for housing a debt advice. You may need to speak to a few people before you find someone worth their salt.

Your local council may be able to refer you to someone if you are 8 weeks away from eviction. They have now have a homelessness prevention duty to help everyone, even if you don't qualify for actual help with housing.