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betterlife

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About betterlife

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  1. When I required the ex to leave 3.5 years ago, we were in negative equity on the house. No heating, various other big repairs needed. I had the house valued at 7k less that we owed on the mortgage a couple of months after he left after advice from a solicitor. Plus the Elderbridge loan, which I got down to £800, but still owe obviously. Since then, I've steadily sorted the repairs and got heating through sheer hard work. Ex hasn't paid a penny towards the mortgage or anything else for around 5 years. The repairs and work has added value to the house at my expense.
  2. Hi dx100uk, Thank you for the advice - I have the title deeds now. Disappointingly, I've discovered what I think is another interim charging order in the Ex's name. He managed to conceal this - up to now. Can you tell me what this means please? B: Proprietorship Register Title absolute 1 (2001) PROPRIETOR: EX and ME of PROPERTY ADDRESS (xxxx 2000) The price stated to have been paid on November 2000 was XXXX. 3 (05.04.2006) RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate is to be
  3. Hi dx100uk thank you for your reply. I will have to dig out the charging order - I'm certain its a final charging order for my ex's debt and is in his name only. It went on in 2008. As for the Elderbridge/first plus charge - I'll have to have a good dig around for that. I think I can get a copy online? Thanks for the advice re Elderbridge - I've had a bit of a read, but need to do a bit more. I just wonder if I can argue the interest costs - happy to find a way to pay off the £800 but £900 in interest?!! I'll upload a bit later when I get the
  4. Hi all, My first post on here, so I'm sorry if its in the wrong place or I'm asking questions already answered. I've had a bit of a read about Elderbridge on here, but I'm not sure I fully understand what I need to do next - so any help would be greatly appreciated. Bit of background - Divorced in 2018. Ex was horrendous with money and after several trips to court he managed to get a charge of 12k (in his name only on a unsecured NR loan) on our jointly mortgaged house and various other debts. Since he's left I have continued to pay the mortgage with Whistletree (form
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