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I have joint mortgage with my ex partner she moved out 6 months ago
She originally wanted the house sold thinking there was equity in it. I contact three estate agencies and had the house valued and forwarded her the details. However I think there is NO equity in the house and she now realizes this.
I have asked her three times via the solicitor which estate agency she wants and what selling option she wants. I have sent her multiple texts. She does not answer
IF I stop paying the mortgage and in effect hand back the keys to the lender and the house in the end gets sold cheaply. The lender will come to both of us for the difference which will be a large amount. I am thinking can I get costs against her as she is being unreasonable by not selling the house ? Could I somehow sue her ?
the estate agencies need her signature as well as mine to put the house on the market
Im kinda stuck and do not really want to go down the expensive solicitor /court route
any ideas ?
Hi There,
I'm not too sure on this one, what has your solicitor said about it?
GTTS
The big risk is if you stop paying your credit rating plummets!!!
You are unlikely to get a mortgage in the near future....loans...credit cards....even silly things like going into a mobile phone shop and getting a basic contract need credit searches (as I recently discovered lol).
Were you married?
The other option is to offer to buy her out and sell it? She soon may get in touch....
Speak to the lender, they may understand and get in touch with her on your behalf.....also you can ask about switching mortgages to interest only.
As you say, the lender will sell the house cheaply, and they will add a lot in costs - you are better selling it yourself privately and possibly even taking a larger share of the loss than your ex, it will save you money (well, cost you less) however annoying it may feel.
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