Jump to content


Ex's bankruptcy and our [joint?] mortgage, she wants to grab and sell - please help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3277 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, don't know if anyone can help me but here we go.

 

My ex wife went bankrupt in 2007,

I bought her share of the house and the land registry was transferred solely into my name after it was finalized.

 

Unfortunately after the financial mess she left me in

I have had mortgage arrears which I am still paying and therefore couldn't take her name off the mortgage

but I was informed by her trustee that it was on paper only and she had no financial claim on the property at all.

 

My ex wife informed me that she is applying for her name to be put back on the deeds and the land registry so she can sell the property from under me, can she do this??

 

I have all the paperwork from her trustee and she hasn't paid a penny towards the house since 2007, also the house is in negative equity.

 

Would be grateful of any sort of help before I see a solicitor.

 

I was under the assumption that the land registry would have to write for my consent.

 

Thanks in advance

Link to post
Share on other sites

It doesn't sound like your ex-wife has any title to the house at all, since you bought the legal title from her bankruptcy estate (and even if you only paid £1, it's yours) and she cannot have accrued any new title if she hasn't since paid anything towards the mortgage.

 

Nobody can just 'apply' to register an interest or name to the deeds of a property - it requires either consent or a court order.

 

However with domestic matters, there can always be complications and of course we don't know what your divorce settlement said about this, and when.

Link to post
Share on other sites

There was no divorce settlement as within a month of the divorce (2007) she was bankrupt and she hadn't been living in the property for over 6 months.

Our mortgage provider and the land registry have both stated that she has no legal rights to the house as I bought the estate from the bankruptcy early 2008 and is name only on the mortgage.

I am obviously concerned as she has said she is seeking her name on the deeds however I have received no such paperwork as of yet and don't want the lose the money myself and my parents paid to buy her share as it is now my family home with my new partner and our children.

I am considering ringing her trustee but I am under the assumption that her bankruptcy is now ended.

Link to post
Share on other sites

She cannot get her name put back on the deeds as per post #2. It doesn't work like that and she'll get nowhere trying.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

Link to post
Share on other sites

She gave up her rights when you bought her out (was she your 'ex' at that time ?)

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...