ccj's and selling house

Now what Wikki peeps? I am waiting for nisi to be agreed and sent.In meantime he has 1 ccj against him that I know of and others will follow because he is choosing to ignore them. He is out of work. He says he cant get help or benefit cos his self employment ended in equipment repossession, so he technically put himself out of work.
My only link to him now is the joint mortgage.
We have agreed to sell but there is no way of paying the mortgage in the meantime. He is going to drag me into debt for the first time in my life. Help me, I feel sick!

Hi Mezzie,
What a git, I just do not think I will ever understand these irresponsble people.
You might try contactin the BS and asking for a mortgage holiday, dont for the time being let them sniff a divorce if you can. That will give you 6 months to takea breath.
If not an interest only mortgage will bring the monthly installments down for you.In the meantime try to get a valuation on the property from a reputable estate agents and see if that is a route for you to go down. At least you will receive from profit from the sale.
Even take in a lodger on short term, anything to bring in a little more money to keep this going until a sale can be achieved. If the BS start repossession it will usually take 3 months before they start proceedings. If it goes to auction, the BS now by law have to make as much as they can, they have been stopped from selling a repossessed house off cheaply, they will take their mortgage and you will get profit from that.

Hope that helps a bit.
Zara

i would inform Equifax or experian the credit report agencies that you are no longer associated with him as otherwise it will be linked to your credit rating causing you problems later on.
kind regards
dawn

dawn

Can you do that if you still have a joint mortgage?

you can inform them that you are getting divorced or just that he has moved out, an easy way of changing the credit report so any creditors dont call at your door is to write moved on all the post addressed to hi.
the credit agencies will log it on his report saying gone away, inform them that you are not associated with him and he doesnt live at the house anymore the only link will be on the mortgage all other lenders will have his new address.
please dont make the mistake i made and hand him his post, my x got loads of cc and loans based on his credit report stating he was still living at th FMH
kind regards
dawn

?