Hi Terri Its a stressful situation you are in so I am glad to be of any help I can. As your's is the only name on the title deeds, how can your ex possibly force a sale? is this a marital home? I was luckily in a position to be able to afford to get the mortgage transferred into just my name and as the title deed was only in my name on the Land Register the bank didn't even need my ex to consent to this. The banks didnt really like the fact he was on the mortgage but not on the title so they were quite happy to remove him! I got a solicitor to draw a deed of variation, with the consent of the bank, it was then registered on the Land Register so was simple enough and only cost a few hundred quid. My ex, like yours, thought that because he was still on the mortgage he could force a sale and get some money from me! He went to a solicitor and started proceedings, claiming half the value of the house despite the fact there was still a mortgage on it that I was paying and had been since he left!!! The law states that any claim of that kind has to be made within one year of splitting up and as he was well over that time he didn't have a leg to stand on and it was classed as time barred. He has lied to his solicitor about when he moved out which is why it got as far as a court hearing but I had a mountain of evidence he could not dispute. I got legal aid to fight the case but as I work full time I had to pay it all back to them in installments. I was awarded all expenses in court but not sure legal aid will be able to get anything back from him but its worth it to be rid of him for good! Not sure what the outcome in court would have been had it not been time barred but Id like to think he still would not have been awarded anything. Good luck and I hope you get the same outcome Anything I can help with just let me know

Hi Tom I am not taking any action against him for fraud, that would be down the the car garage or finance company as it was to them he gave the wrong address to. I do believe he gave my address to them on purpose though so his application would be accepted. He took out this car finance this week and since he has not lived here for 6 months its got to be more than simply "forgetting" he does not live here now. Thanks for your input though, it is appreciated.

The loan in question is not one that was in both names, its was car finance that was just in my name. I loaned him the car when we split up so he could move his stuff down south. He then moved address again and refused to give car back. Police saw it as a civil matter so months later I eventually had to get the finance company to repossess the car! It was they who advised me to miss the payments to enable them to do it. It should have only been one missed payment but they took weeks to sort it all out and it kept going from one department to another so ended up with the two missed payments. I am fighting them to try and get it removed from my credit file but thought a correction notice might help in the meantime (or if they end up not removing it).

Thanks lex There wasn't a box to tick it was just a statement. However there was a box where I could explain why I should be disassociated from him even though we still have a joint loan. I have sent the form off so will just wait and see what happens now. Once last question, is it worth adding a notice of correction? (2 late payments -once again ex's fault - long story!). Not that I have any plans to apply for credit but do lenders read these notices and take them into account when making a decision? Thanks again for all your help

Hi Lex re the notice of disassociation, it looks like because there is still a joint bank loan it can't be done. I filled out the form but at the bottom it asks me to "confirm that there are no active financial connection or dependancy between myself and the person detailed above". Didn't want to agree to that as it would not be true.

Hi again Lex Once again thanks for all the fantastic information! I will definitely be doing a notice of dissassiociation asap.

I appreciate your reply maroondevo. I am still not convinced heliosuk is right in everything he has said. I have e-mailed a query to the police so will wait and see what they say. Thanks to everyone who has taken the time to reply to me

Thanks for that Lex, very informative, lot of stuff there I had no idea about!

Since when is obtaining finance by deception a civil matter? Believe me he has no claim on the house at all. Even if he did have he can't claim to be living somewhere when he isn't just for his own gain. There has to be something illegal about that.

He dosn't have any kind of interest in the property, Its my house, I own it. He has deliberately misled the car garage as to his current address. If he were to default on that loan it would my door they would come banging on if I hadn't found out! To me that is a major issue. That would affect my credit rating too. I plan to speak to the police and see what they think. Thanks for your input though.

Hi everyone My ex and I split last September and he moved out. Things since have been far from amicable but thats another story. I accidently opened a letter addressed to him yesterday and am so glad i did as it contained a finance agreement for a car! As i say he has not lived here for 6 month and is not at this address on the electoral register (i checked today). What checks and evidence would he have needed to get the finance? I sent the agreement with a letter back to the finance company this morning to let them know. Surely what he has done is fradulent?

I spoke to a solicitor today and as i thought, he does not have a leg to stand on. I have spoken also to the mortgage company but according to them he would now have to agree to come off the mortgage (if he thinks he can force a sale then thats not going be forthcoming). I think their stance is, as long as they are getting the payments every month then they are happy. I am the one who pays all the mortgage. Maybe when he realises he can't force me to sell he will change his mind about signing. Thanks for all your replies, i can relax now

Thanks for your reply, that makes me feel a little better and more optimistic about it all. I don't have a scanner to post a copy of the disposition but it was singed/witnessed by his financial adviser who is a company director. Does the wording of the disposition make a difference?

mortgage is a repayment one and there is about 20k equity in the house. The lender knew about the change in title as i phoned to let them know but i did not get consent in writing from them. I am really really worried now, i lived in the house for 10 years before i met him and we bought it from the council so if i had to sell i could never afford anywhere else

Anyone at all?

Hi all This is my first post here so I hope I have posted in the right section. My ex and I bought a house 3 years ago and took out a joint mortgage. We split up last year and he signed his half of the house over to me via a disposition that has been registered in the Land Registry. I have been paying all the mortgage payments since he left. Unfortunately he is still on the mortgage at the moment. I am looking into taking it over on my own and am hoping the lender agrees to this. I received an e-mail from my ex today stating that as he is still on the mortgage he could force me to sell the house unless i buy him out. Can he take me to court to force a sale even though he is no longer on the title as owner? I am 99 % sure he can't but that little 1% doubt has me a but worried. Anyone in the know put my mind at rest?