RBS- Repossession specialist help please

[Carlisle1]

Hello,

please could I ask if anybody can help/advise 

me with a situation that is not straightforward regarding repossession of a property in ex partners name therefore bank will not deal with myself ?

 

House in ex partners name - I am resident with children. 
ex partner non compliant in any communication 

I can afford to pay the mortgage

15 day warning notice received advising they will seek to apply to repossess.

 

any help much appreciated 

 

Thankyou 

[honeybee13]

Hi.

 

Can you tell us who the lender is please?

 

Site team member @Ell-enn is great on repos, hopefully she'll be along later with advice for you.

 

HB

[Ell-enn]

Hi - who has been paying the mortgage until now - you or your ex partner ?

[Carlisle1]

Hello.

Thankyoi for replies.

 

lender RBS.

 

Ex partner chose to pay mortgage in lieu of child maintenance.

 

Not made aware by them BUT had stopped paying but

£1900 arrears

 

- wrote to lender to advise of situation and that I was seeking to remedy and could pay mortgage.

advised they can’t discuss with me and to try to get written agreement form signed from ex to deal with me. Without this I was unaware of arrears figure or payment costs.  This has not been given. Ex partner will not respond to them or me. 

I have since proceeded to make monthly mortgage payment myself since. However the arrears outstanding, 

have now received a 15 day notice ( with the exact arrears figure ) and have questions on whether if this is paid by myself this will stop proceedings ? 

thankyou for any help much appreciated 

 

 

[Ell-enn]

Hi,   if all arrears are paid then repossession cannot take place.  However - I do think you should consult a solicitor regarding your position and the fact that you ex has stopped paying the mortgage and child maintenance.

 

Is there any written acknowledgement from your ex regarding the arrangement ?

[Carlisle1]

Is it possible to dm part of this reply due to Previous DV or not ? I am a little worried the situation will be recognisable. Thankyou 

[Ell-enn]

Hi,   I have sent you a message that you can reply to.  While we do not usually keep information off post we do understand that sometimes there are private details that may be recognised.

[Ell-enn]

Hi, thanks for giving details.   As discussed I think that, in order to buy time to get the property status sorted, you could pay the arrears - this would stop any further repossession action. You can then consult your solicitor to progress things.

 

Please keep us updated regarding the possession issue in case you need help with that, and don't hesitate to come back whenever you feel you need support - we will always try to help.