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new wifes old morgage


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Hi folks im after a bit of help

 

back in 2001 i met my new wife and she had already left her ex husband which they had a joint morgage together, when they split he was taking over the payments and the house

 

in 2002 we found out that he had not been paying the morgage and the house had been taken back by the bank total of £12000 short fall, so i in my wisdom decided to pay the short fall via instalments as her father stood garantor on the morgage( he is disabled) i have to date paid a total of £7500 of of the short fall and her ex husband has not paid a penny, i have now refused to pay any more untill they chase her ex for the rest of the balance (which they have never done) they now state unless we continue with they payment they will chase my wife and her farther for the balance owed....

 

if i continue paing the full amount off can i personally claim half of what i have paid off of her ex

 

and can they still claim off of the garantor for they balance as they have not contaced him for 10 years

 

also my wife is unemployed so can they chase her or not

 

cheers for your help in advance

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I wonder if it would be worth issuing a claim against the ex for at least half of the short fall ?

 

Do you know what his personal financial circumstances are ?

 

Do you know if the mortgage company have actually made any attempts to collect from the ex ?

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I wonder if it would be worth issuing a claim against the ex for at least half of the short fall ?

 

Do you know what his personal financial circumstances are ?

 

Do you know if the mortgage company have actually made any attempts to collect from the ex ?

 

hi thanks for the quick reply

 

last we heard he had his own shop but that was 10 years ago

 

the bank wont tell us if they have contacted him as they say its not our bussiness and they will chase who ever pays them

 

i must add the morgage and the house was in scotland, me and the wife now live in england and her ex still lives in scotland

 

can we still claim off of him as the whole debt has not been settled

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