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Ask Clare Your Own Question
Clare
Clare, Family Solicitor
Category: Family Law
Satisfied Customers: 34288
Experience:  I have been a solicitor in High Street Practise since 1985 and have specialised in Family Law for the last 10 years
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Clare, I should have the valuations, letter etc. done

Customer Question

Hi Clare,
I should have the valuations, letter etc. done by the end of the week
However in the meantime the mortgage is already 3 payments behind and I'm concerned about the bank starting repossession.
What would you advise? should I contact the mortgage company and explain? or should I tell the estate agent to start paying the rent to me?
Submitted: 2 years ago.
Category: Family Law
Expert:  Clare replied 2 years ago.
Hi
Thank you for your question.
As a starting point speak to the Letting Agent and arrange for the money to be used to pay the mortgage.
If that fails then you will need to negotiate with the Mortgage Company
Clare
Customer: replied 2 years ago.

So I should ask her to change the account into which the rent is being paid to mine and inform her of the circumstances and reasons?

Expert:  Clare replied 2 years ago.
Hi
Yes that would be an excellent idea
Clare
Customer: replied 2 years ago.

Just spoke to her and she refused and said she needs my ex to approve the change of bank details because his name is ***** ***** contract(tenancy agreement).

How do you advise I approach the mortgage company?

Expert:  Clare replied 2 years ago.
Hi
Is your name also on the agreement?
Clare
Customer: replied 2 years ago.

No, it is my ex's name on the agreement,

With regards ***** ***** letter, which documents do I send to him? just the valuations?

what's the procedure if I need you to review documents?

Expert:  Clare replied 2 years ago.
Hi
You could point out to the Estate agent that
1. As a joint owner who is not named on the letting agreement you could disrupt the tenancy by attending and entering the property whenever you wish to do so
2. The mortgage is in arrears and this will mean that the property will be repossessed unless matters can be resolved.
Ask if they are willing to pay the mortgage direct
With regard to the letter you will also need to send the mortgage statement.
i shall ask customer services to ocntact you regarding emailing documentation
Clare
Clare and other Family Law Specialists are ready to help you
Customer: replied 2 years ago.

She's agreed to pay the rent to the mortgage company. I will wait to hear from customer services. Thanks

Expert:  Clare replied 2 years ago.
Hi
Excellent news
Clare