Hi guys, long time reader of the forums, but now have a problem I have to ask for your help with:
I purchased my house with my ex partner 6 years ago. We separated a few years in to that and she left the country. I've been paying the mortgage alone ever since, despite us both being on the mortgage.
I recently lost my job and I'm finding it hard to meet the £800 per month mortgage, so I called up the mortgage company to ask if I could have a payment holiday.
They informed me that the account had a hold on it, as my now ex partner had called them up some time in the past to see how she could be removed from the mortgage (which is also why I'm still paying £800 per month rather than half that!).
So now I'm stuck.
I can't re-mortgage with another company, as I don't have a job.
I can't move the mortgage in to my name as the existing mortgage company would re-assess me (I presume) and find I had no job.
I can't contact my ex as she is no longer in the country.
Any advice on what I can do? I'm scared to approach my mortgage lender as they may take my house :(
I purchased my house with my ex partner 6 years ago. We separated a few years in to that and she left the country. I've been paying the mortgage alone ever since, despite us both being on the mortgage.
I recently lost my job and I'm finding it hard to meet the £800 per month mortgage, so I called up the mortgage company to ask if I could have a payment holiday.
They informed me that the account had a hold on it, as my now ex partner had called them up some time in the past to see how she could be removed from the mortgage (which is also why I'm still paying £800 per month rather than half that!).
So now I'm stuck.
I can't re-mortgage with another company, as I don't have a job.
I can't move the mortgage in to my name as the existing mortgage company would re-assess me (I presume) and find I had no job.
I can't contact my ex as she is no longer in the country.
Any advice on what I can do? I'm scared to approach my mortgage lender as they may take my house :(