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Refuses to sell going to court

  • angiecm
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27 Feb 25 #525411 by angiecm
Topic started by angiecm
As part of my divorce my ex was supposed to remove me from the mortgage. This didnt happen and I didnt push it as I knew he would have to sell the house and my (adult) children still lived there. This was in 2016. I have recently found out (because I was refused a SIM card) that he has stopped paying the mortgage and is being taken to court - I knew nothing of this. What are my options please?I have tried to contact my Ex but he ignored me. I am assuming that because my name is still on the mortgage I will be blacklisted.Can I force a quick sale to prevent court action even if he disagrees?I am remarried and we have a house, car etc - if bailiffs come to our home can they remove goods, how will they define what is mine? Our car is on finance but in my name - can they take that?Sorry for all the questions but I dont know what to do.Thanks for your time.

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27 Feb 25 - 27 Feb 25 #525413 by WYSPECIAL
Reply from WYSPECIAL
If you are named on the mortgage then you are liable for the repayments and the lender can pursue you to pay.

Does your court order state that your ex must cover any losses you incur if he doesn’t pay the mortgage until your name was removed?

Get copies of your credit report from each of the credit reference agencies and get in touch with your lender to find out exactly what the current situation is.

Do your sons still live there and have you discussed it with them?

If you want to force a sale you will need to return to court.

Don’t worry about bailiffs turning up at your current home to take your car or anything else away. If your car is on finance you probably don’t own it anyway. The mortgage that isn’t being paid is secured on the house so to recover their money the lender would ultimately repossess it, but that is a long way down the road.
Last edit: 27 Feb 25 by WYSPECIAL.

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27 Feb 25 #525417 by angiecm
Reply from angiecm
Thank you so much - that is a massive relief.
I have the documents you have listed and have now located a local Uni that offers free advice so hopefully will be prepared when this goes to court.
Have messaged my son and asked to talk.
I really do feel so much better.

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