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Need a lot of help on this one please for a very good friend... Basically she had a mortgage with her Ex, but they split up and finally divorced in 2012. She just wanted to get away and basically waved all rights to the house, in the divorce papers it actually states that any property is to be treated as if death has occured unless there is a Will. She been asking her Ex for many years to be taken off of the mortgage, but it was one excuse after another, so today we decided to phone the mortgage company up and had on loudspeaker so I can listen. Basically the mortgage company have said unless the Ex phones up and says he wants her taken off the mortgage then there is nothing they can do. So she is literally stuck on it, an in reality at risk her self.. They say he has to satisfy criteria that he can take over the mortgage on his own.... But in reality she doesnt care what happens to the house, as no matter what she wont get anything.. What is the best way to move forward because in reality he knows he wont satisfy the criteria on his own despite paying it for the last few years, so he can just sit with her name on the mortgage for as long as he wants untill it suits him Please if anyone can advise the best way to proceed...