Sorry my life is a little busy at the moment.
We were married for 22 years, debts 24,000, none of the debts were dealt with in the divorce I was left with it all, the court did say I can have 4,500 back from the mortgage arrears which I have to pay ( total was 9,000). We have 3 children the youngest is now 18 , at the time of separation she was 11.Divorce was complete Jan 2011. Assets are my pension , NHS and he got 88,000 of that, House, just valued by his solicitor ( who is also his neice) at 225,000. My income now is poor in that I have only 2 days employment that is permenant, only 9,000 per year, the rest is a fluctuating amount following redundancy. He is self employed and his income was declared as similar to mine then ( which was 40,000 before tax)
I have to respond to a threatening letter quoting the wrong mortgage amount , a request for £35 % of the wrong amount left which the solicitor says is £34,000, unwilling to acqnowledge any debt or his responsibility in the paying back arrears. The letter is also marked without predjudice.
Have to respond by Saturday, letter is dated 27th Feb, I got it on 4th March. They are threatening court action. I am terrified.
The order said that I had to sell the house, I would have 65% of the proceeds and he 35%. He would recieve some of my pension and I would get half back of the mortgage arrears . He failed to pay the mortgage for months on end prior to our split. I fought to stop the eviction.
There was a delay of 4 days before I received this last letter and they have said I have to respond in a week, it took them 2 months to respond to my letter. Thanks
The divorce was final in Jan 2011, the house was put up for sale straight away, until November last year. The estate agent arranged for someone to come to my house in my absence and expected my ex to show them around.
I then decided I could not trust them and that I would buy him out.
There is £133,000 left on the mortgage, I managed to add the arrears to the mortgage instead of paying separately.
The property was valued by the solicitors via an estate agent at £225,000. In Jan/Feb this year, the estate agent did not view the property.
I had another done in November last year, they did not give me anything on paper, just said it was the same as last time they valued it which was £250,000. This was the same as valuation that I had done for the sale , in 2011
I do know prices have dropped but not that much.
I offerred £14,000 before Christmas, they now want £34,144.25 with a suggestion that there is £97,555 equity. However the mortgage left is £133,237.88 and a debt of £12,000 ( half of the 24,000) which includes the £4,500 mortgage arrears that the court said he had to pay me.
I want to get rid of him out of my life , because he committed adultery and he was, and still is an alcoholic the emotionally angry bits are still there, he has no conscience at all.
The court did not address the debts at all, I don't think the solicitor addressed it at all, despite my presenting them. I was an emotional wreck at the time.
I had to pay over £10.000 to the solictor for, in my mind doing nothing to support me !
No , all the debts are in joint names
No, the only debts that were acqnowledged were the mortgage where there was over £9,000 arrears. I was appalled and complained to the Ombudsman and they were in favour of the Solicitor, the person on the street has no support in these matters.
I have to respond to their letter today, 7 days and am considering offerring £25,000 to try and get him to accept it, I just do not want to go to court.
The debts WERE all in joint names, some i think were in his name only, I was forced to pay the debts because herefused point blank, this included the joint bank account where he took money out of it sending it into arrears.
If I offer the £25 and they refuse it will they take me to court?
No , I m still paying some off, I don't see why I have to foot the bill for his financial mis management.
Will I have to just ignore the debt, it is so wrong!
I was forced to pay all the debts soley, I challenged the people asking for money to contact him, they could not get in touch with him. Most of the time I was threatened.
the debts in his sole name was the water bill, and possibly the electricity and gas bill which was in total I think over 3,500 I probably have all the correspondence,
Letter from his solicior today says £30,000 no mention of his court order to pay me iro £4,500 for half of the arrears to the mortgage, they have asked that his name be removed from the mortgage .
'In a final effort to settle matters once and for all'.........if you are prepared to pay a lump sum of £30,000 within 56 days then he will be prepared to transfer the property into your sole name.
'this offer is strictly subject however to confirmation that you are able to release our client from his obligations under the mortgage'
I am unsure of what the last sentence means.
Any help would be welcomed
I have checked and the debts are all in joint names, water, gas/ electricity etc, also none contribution to daughter's welfare for 2 years . Joint bank account. Can I include things that were in my name but a result of his alcoholism?