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Hi All
I am trying to consolidate some debts and the easiest route for me at this juncture is to remortgage. I have a joint mortgage with my ex, who I have split up from over two years ago. I have a child age 12 and my ex does not work. I am paying currently paying for everything, mortgage and all living costs, obviously for son but also my ex. I have always paid the mortgage from the start as my ex. was essentially a homemaker since we owned this home.
However, she is refusing to cooperate on a remortgage which is leaving me (and her inadvertently) in a very difficult situation, I could face bankruptcy and repossession of assets etc. if the debt is not cleared. It is very hard to explain the logic as she is simply arguing she doesn't want to increase the mortgage or term (even though she doesn't pay anything :-/ ) .. go figure) but there is simply no reasoning with the ex. even though it will affect her and house etc. she currently lives in.....
Whilst I am exploring other financial options, it seems most are impossible or just simply too expensive... hence I wondered if anyone can offer any advice or experience with the following..
From some cursory googling, it seems I might have an option to have the ex. forcibly removed from the mortgage if she won't agree.....
Is this a possible course of action and what criteria would I need to meet?
Thanks.
hi,
I am no expert in this but I understand there are options available, such as making a court application to seek a financial remedy. Court can order both of you to make an agreement e.g. remortgage or force sale of property etc. It would be good if you speak to a lawyer that has property law experience. There should be some that offer a free consultation.
depending on the equity another option is to stop paying mortgage until she can reach an amicably agreement. I guess you cant sell house until your daughter is 18. but 6 years to carry on struggling isnt possible either
Ultimately, if you cannot agree a way forward with your ex, you can make an application to the court for financial proceedings. You will need to attempt mediation first. Good to take specific & professional legal advice on these matters really.