Having my name taken off a mortgage

Ouch! I don't have any real advice to add on top of what the lads have already put here, but I wish you well and good luck with getting it all sorted and getting rid of this bint permanently.
 
Default on the payments & go round with a camera to get pics when she is evicted. :D

Plant drugs in the house & ring old bill then take camera round & take pics of them being arrested. :D

Have sex with her Dad just to confuse her. :D

Rent the property out to a load of chavs & hire a firm of ****** to tarmac the drive so bad they can't get in the door. :cool:
 
probably the worse advice in the world :p if i were in your shoes i'd stop paying the mortgage....im guessing you dont have kids.
i would rather go bankrupt than pay the mortgage for a place where she can bring her boyfriends back to.
let her fall on her arse unless you have kids with her.


btw you could have got the police to remove young stud who was picking a fight as it's your home.
 
Just go into the house whilst she's not there and collect your belongings. Then tell her ether to transfer the mortgage into her name (presuming the banks will allow it) or you're going to stop paying the mortgage and the house will be repossessed.

She can then ether contact the banks and pay the mortgage herself or play ball and get it transferred into her name.

Your credit rating will suffer if it comes to repossession, but I'm sure it’ll be sorted before it gets that far. It doesn’t matter whose account the money comes out of your both equally liable for the mortgage arrears.
 
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Personally I'd move back in until it was sorted, if only to get her boyfriend out of my house.

You may hate it there, but it will be easier to bring this to a resolution when she has to look at you every day and you can keep up the pressure. If might be difficult but I'd grin and bare it. For all you know this lad is smoking weed with his mates and using it at his party den, mucking up the decor etc..

Go round with a policeman and kick him out, if you can legally do that! Not sure on the law but surely both parties have to agree to a third party living in a jointly mortgaged house?
 
I'd go round whilst she isn't there and kick the door in, or change the locks, take a dump in her bed, take the light fittings, do whatever you want really take the cooker, anything that will make living there rubbish till she either buys you out or moves out so you can sell.
You have evry right to do all the above and more as it is still your house and you are entitled to do what the hell you like to it according to the law :)
 
Robbie G said:
Personally I'd move back in until it was sorted, if only to get her boyfriend out of my house.

You may hate it there, but it will be easier to bring this to a resolution when she has to look at you every day and you can keep up the pressure. If might be difficult but I'd grin and bare it. For all you know this lad is smoking weed with his mates and using it at his party den, mucking up the decor etc..

Go round with a policeman and kick him out, if you can legally do that! Not sure on the law but surely both parties have to agree to a third party living in a jointly mortgaged house?
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The police wont want to know, but they will when you end up killing the new bf.
 
Mate I wish i could comfort you in some way you just need to be more **** n balls about this she is taking the ****.

If i walked back into the house to collect MY STUFF and her "LOL 19 year oldLOL bf was there giving me arms" I would utterly provoke him into a fight and beat the living **** out of him -_-


Ofcourse thats not the best thing to do but she has the bloody nerve to act like that do what ever possible to leave her in the ****ter if she gets left with a huge morgatge or what ever so be it.


If you force sell the house im sure you wont have as harda time paying any shortfalls if its devalued she probably will.



I feel for you man you know next time not to be TOO trusting bro.
 
how about

wait until the witch is out the house...
her BF is in the house...
Ring rozzers and tell them that someone has broken in the house and is still in house.
rozzer arrest him, go in and take your gear

job done
 
let the boyfriend hit you, it's called assault. make sure there's a witness

awful situation, feel sorry for you but you are far better off getting as far away from her as possible, she's obviously trash
 
Dup said:
Can she afford the mortgage on her own? I doubt it. She's a mental health support worker earning ~£16k before overtime and is applying to take over a ~76k mortgage. They have responded to her asking for her very latest pay slip on top of what she's already sent but I don't know what to read in to that. They did the same when we first applied but they've taken that long it might just be normal procedure given the time its taken.
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I've just been through the mortgage process, there's little chance of her being accepted on her current pay so the chances are you'll have to sell the house. You should get down the CAB though sooner rather than later to find out if there's any other option - perhaps selling it to a housing association then having your ex rent it off them etc.
 
I have recently been in your situation. I bought my ex out a few weeks ago.

My solicitor advised me to not force a sale, to not go through solicitors unless absolutely necessary because they are the only ones who win. Forcing a sale will cost you anywhere from around £6000 upwards and can take months to go through.

We found that it was not possible to have a person removed from a mortgage agreement and that the agreement must be ended and a new one begun should one of you wish to keep the property. This means you will get stung for any early repayment charges unless you are out of your agreed period (fortunately we were).

He had moved out and was paying half the mortgage despite living with someone else because he knew that if he didn't, when the house came to be sold he didn't have a leg to stand on. I ended up making him an offer to buy him out and we came to an amicable agreement.

It took around 10 weeks to go through and is the best thing I have ever done. I now own my own home and I'm rid of the cheating idiot.

Stay calm, do the research and play everything by the book. I'm so pleased that I did.


Regarding the boyfriend, you are legally entitled to remove any individual who you don't wish to be there if they have no affiliation to the property by using reasonable force. I asked the same question because I wasd worried the ex would move his new GF in. That advice came from a copper.
 
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If you can move back in and move her things out (call her parents and dumo the stuff on them man) - pointless paying for a mortgage when you cannot even use it.

This I did when I caught my cheating ex in the act last year. Then get a transfer of equity (will cost a few hundred in fees) into your name if she cannot afford the mortgage and sell it if you don't want it.

First step is to get you feet back in the door and get rid of her
 
malc30 said:
Default on the payments & go round with a camera to get pics when she is evicted. :D

Plant drugs in the house & ring old bill then take camera round & take pics of them being arrested. :D

Have sex with her Dad just to confuse her. :D

Rent the property out to a load of chavs & hire a firm of ****** to tarmac the drive so bad they can't get in the door. :cool:
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LMAO :D

You aren't a man to upset :)
 
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