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time35run

Northern Rock change of parties - HELP!!!

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Hi,

I have a Northern ROck mortgage. It is in arrears due to marital breakdown nearly 2 years ago. I continued to pay the full mortgage alone for about a year by going on to interest only and then when that became difficult I came to an arrangement with NR to make my half of the payment alone which they agreed to. My now ex has never paid a penny toward the mortgage since before he moved out.

 

Now, my new partner who financially is much more stable than the ex has agreed to come on the mortgage with me and move in. My ex has agreed to sign the house over to me in full as long as I remove him from the mortgage. I have queried doing a change of parties with NR but they have said that they will not agree this unless I repay the arrears IN FULL. Whilst we can manage the mortgage together on a repayment basis, we do not have this kind of money to repay the arrears in one go.

 

The NR website clearly states that you can apply for a change of parties anytime even when there are arrears so the info I got from the woman today is the opposite of what their website states.

 

The only other option we had was to remortgage with a totally new company but obviously the arrears will cause us a problem there too !! Our plan was to stick with NR and clear the arrears and then look to remortgage elsewhere when we had done that further down the line.

 

Can anyone help advise me what I can do? It would seem that each time I call NR I get a different story depending on who I talk to and what mood they are in that day! Often the advise the advisors give is different.

 

Can anyone tell me if I can get a change of parties done with arrears ?

Thanks in anticipation.

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Can anyone help, please??

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Hi there, it may be best to put your request in writing and quote what is says on their website about change of parties when in arrears. Make sure you send the letter by recorded delivery.


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