Can I just say he is a mortgage broker so I trusted him and he dealt with all this side of it which I now regret hugely.
Basically the house in question has a total debt of £278,461.62
This breaks down in three ways...
- Main Mortgage loan £205,000.00
-Then he took out an Further advanced on top £26,000.00
-Then an unsecured loan of £30,000.00
The current arrears on the main are now just over 10K
the current arrears on the unsecured load are £3,433.49
The house is worth about £220/230K to sell .
The interest rate is 4.78% on the main loan.
As I said our court order clearly stated that this was now to be his house and the other mine...I did as stated to the best of my endeavors but he has not. I feel like the mortgage company are negligible for not tracking nick down knowing he has a job and can pay his bills. He has not done what he canto the best of his endeavors as stated along with paying for his child but that is separate I know!
I have had some advice to resend my court order to the mortgage company, but I have done this once already only to receive back that this basically my responsibility either way I look at it.
Nick has told me he has not heard from them for weeks which seems odd.
The Mortgage is with NRAM (Northern Rock)
I hope this helps you to help me!