Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Question re paying mortgage after leaving domestic violence - affect on credit rating?

4 replies

PunishmentRoundupWithJoon · 12/08/2024 15:31

Posting on behalf of a friend who isn't on mumsnet, I'll be writing this as if it's her! We weren't sure where to put this - relationships or property or somewhere else?

I've just come away from a domestic violence relationship, the police have been informed and I have my own IDVA as this person is so dangerous. I also have a multi disciplinary agency supporting me.

I have been advised by my solicitor to now only pay half of next month's mortgage and to discontinue paying the mortgage at all going forward as I no longer live in the property. Does this sound like correct advice?

My question is, would this affect my credit rating and stop me getting a mortgage in the future?

Thank you

OP posts:
CleanShirt · 12/08/2024 15:35

Is your friend on the mortgage? She'll have to pay half if so (afaik - happy to be corrected.)

My abandoning stbxh continued to pay half the mortgage after he left but no other bills.

PunishmentRoundupWithJoon · 12/08/2024 15:40

Yes, she's on the mortgage. Solicitor has advised to pay half this month and then not pay any more. We're not sure if this is correct, as doesn't it mean the property will be repossessed? He's not in a position to pay anything as he doesn't have the means.

She doesn't want this to affect her credit rating in the future so we're unsure if the solicitors advice is correct.

OP posts:
PunishmentRoundupWithJoon · 12/08/2024 16:10

@CleanShirt - thank you. They weren't married, but both names on the mortgage so presume it's similar. She had to leave due to his behaviour and has only just started the process of finding out what to do next, re the house. There's no chance of him paying anything at all.

She was unsure about the solicitors advice as she didn't think just stopping paying was an option. The solicitor is one that specialises in domestic violence/finance stuff so we're presuming she knows what she's about...

OP posts:
New posts on this thread. Refresh page
Swipe left for the next trending thread