Hi all,
I was hoping there is someone out there who can tell me what to do.
I have a joint mortgage with what is now, my ex-partner. She moved out of the house back in January and has also stopped contributing to the mortgage and bills.
She is laughing at me, she said the only way she would leave me in peace and stop hassling me was if she didn't have to pay anything towards the upkeep of the house any more so for a quiet and normal life I had to agree to taking full responsibility for the mortgage repayments. She probably knew full well that I wouldn't be accepted for this mortgage on my own.
I can't ask anyone to take her place.
My parents are too old to be guarantors.
If I sell, she will be legally entitled to half of the profits despite me always paying more into it, doing all of the DIY and paying for repairs.
I thought it would be easy to apply for the mortgage to be transferred into my own name and get her name removed from the deeds but NRAM have point blank refused. They claim that I do not satisfy the financial criteria despite me already handling this mortgage and household bills by myself already.
Is there anything else I can do except hand her all of my possessions and wages on a plate? Please help.
I was hoping there is someone out there who can tell me what to do.
I have a joint mortgage with what is now, my ex-partner. She moved out of the house back in January and has also stopped contributing to the mortgage and bills.
She is laughing at me, she said the only way she would leave me in peace and stop hassling me was if she didn't have to pay anything towards the upkeep of the house any more so for a quiet and normal life I had to agree to taking full responsibility for the mortgage repayments. She probably knew full well that I wouldn't be accepted for this mortgage on my own.
I can't ask anyone to take her place.
My parents are too old to be guarantors.
If I sell, she will be legally entitled to half of the profits despite me always paying more into it, doing all of the DIY and paying for repairs.
I thought it would be easy to apply for the mortgage to be transferred into my own name and get her name removed from the deeds but NRAM have point blank refused. They claim that I do not satisfy the financial criteria despite me already handling this mortgage and household bills by myself already.
Is there anything else I can do except hand her all of my possessions and wages on a plate? Please help.