THE HOUSE IS WORTH APPROX 200K, PROBABLY OWE AROUND 130K
THE CHILDREN AT HOME ARE
LAUREN 18 (I AM HER STEP FATHER)
REBECCA 15 ( I HAVE PARENTAL RESPONSIBILITY FROM BROMLEY COUNTY COURT (I AM STEPFATHER))
KYLE 11 (I HAVE PARENTAL RESPONSIBILITY FROM BROMLEY COUNTY COURT (I AM FATHER)).
WE HAVE HEARD THAT SHE IS IN JAMAICA AGAIN BUT NO FORWARDING ADDRESS.
THE LAST CONTACT WAS APPROX JULY 2014 WHICH ENDED WHEN I REQUESTED A POSTAL ADDRESS FOR HER
We took the original mortgage to purchase the house with Natwest
then stupidly I let her arrange a second mortgage with a loan company called swift which is a very high interest rate, this was to buy a car and construct an extension on the house.
Ciurrently they cost me £1500 per month which if it was consolodated I could possibly save 400-500 per month.
I really want her took off the ownership of teh house and have heard that through TOLATA in certain circumstances like mine the settlement can be as much as 90% 10% to the person whom has paid all the funds into teh property.
At present there is so much uncertainty and I dont want the kids to have the worry if anything was to happen to me, I was considering a notice of seperation, however this would give her an automatic 50% entitlement where I may be able to obtain a better settlement through TOLATA
it was a 100% mortgage (no deposit)
I have provided everything
BUT SHE HAS NOT CONTRIBUTED FINANCIALLY TO ANYTHING IT HAS ALL BEEN PAID FOR FROM MY WAGES