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Valuations on the house are circa £135k. The original mortgage was approx £43k and this full amount is still outstanding. The endowment policy taken at the time of the mortgage that should have been used to help pay off the mortgage on maturity was stopped approx when my sisiter left the house and is worth circa £3.4k. The child was18 years old in November 2014. No maintenance was claimed probably for 2 reasons: first my sister wanted no contact as she was frightened of her partner and secondly the belief was that she would nt get anything as he was not earning enough money (rightly or wrongly). is believed that the mortgage was possibly being paid by the benefits system albeit we have no proof of that.Oddly some time over the last year (approx date needs confirming with my sisiter) a very small ' maintenance' payment came out of the blue from the partner.I will confirm how much as soon as I have spoken to her.
My sister has always been reluctant (scared) to go down this route, but I will ask the question. I'm afraid she is one of those people who cant deal with confrontation and unable to deal with situations like this which is why I am acting on her behalf.
I have tried calling her but no reply but will continue calling until I make contact.
sorry for delay - sister been away for a few days.She does nt particularly want to take action to enforce a sale. The other party are prepared to buy my sister out and take on the current mortgage so that they can retain residency. Not sure if they plan to pay it off or renew the mortgage. The question is I guess what is reasonable to accept bearing in mind my sister has nt lived there for sometime. It probably has no bearing on the case but the facts that family have provided significant finance to keep her going since leaving the house (she has spent most of that time living in a 1 bed 'studio with her son in the bedroom and her sleeping on a sofa!!) and we suspect the mortgage was largely being paid for by the benefits system and there have been no real maintenance payments on behalf of her son. It might be worth mentioning my sister advised that out of the blue she received 2 child support payments recently of around £70 each. The first came just before her sons 18th birthday and the other just after his birthday. She queried it but was told just pay it into her bank.