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Nram will not let me take sole name. What next???

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Hi there i have applied to take the mortgage in my sole name after my ex & i split up but they have rejected me again saying i again don't fall under their criteria.

My ex wants nothing to do with the house & its in negative equity of £5000-£8000 & we have a secured loan on the property with about £36000 left to pay.

She has sent me a letter from her solicitor saying that if i cannot take it on well she will force the sale of the property through the courts

I'm thinking the only thing to do is hand in the keys to NRam & suffer the consequences with financial implications.

What would i be looking at worse case scenario?

Regards

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