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Need advice in relation to my property, Do I walk away ??? or fight again


sonniemell
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Hi, sorry to trouble you all but I could do with some advice. I am joint owner of a property, my ex did a runner and left me in a mess a couple of years ago with the property, I could of walked away then but I did not, I fought to save the house. It was an interest only mortgage, there is no equity in the property, in fact it is less than the mortgage, now. I have been paying for it myself since he left, but I ended up taking the redundancy from work, but i had to get someone in to rent to allieviate my mortgage(so his payments pay for it) in order for me to save the property. I got friend in to rent the property from me and I relocated back to the North and found another job, I needed to relocate as I didnt drive, my ex and I worked at the same place and he drove, but he was diagnosed as a chronic schizophrenic, went on one and did a runner. Anyway my friend who rented has now decided he wants to move and now I dont know what to do.

 

My issues are:-

 

I dont have the money or resources to repair the property in order to rent the property out again, I dont want to particularly put just anyone in there, and the current person who was renting was paying the mortgage with what he was paying, I was not making anything on the payments. Also the property is in joint names with my ex, and I do not want to be tied to him anymore. The only way of getting him off it is if i remortgaged in my name. I dont really want to rent it out again its too much hassle to try and save a house which I hoped one day I may go back to, I was thinking of turning a bad situation into a good one by using it as an investment, as a lot of effort and time went into it to try and get it to the way I wanted it and to save it.

 

Ive started afresh back in the North, got a job, (not good pay though) and im living with my bf who owns his own house. I was in arrears which is now paid and I am currently making the payments on this, every month. Do I walk away, hand the keys back with a letter and tell them I do not want anything more to do with it, as I will not be able to afford paying that and my bf as well, If so how do I do this. If i send the keys back, will I have to still file for a bankruptcy or can it be done without doing that???

 

Thanks

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If you walk away and the mortgage company sell it for less than the O/S mortgage (which I guess it will be as you are in negitive equity) they will still chase you for the difference, I believe it is for up to 12 years.

If I have been of any help, please click on my star and let me know, thank you.

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