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Hi, thank you for your message. As you are both named on the mortgage you are both responsible to pay. If one defaults it will be as if both defaults so even if she does not pay you will need to continue paying unfortunately. However, I would recommend that you:
1) contact your mortgage provider to explain the situation as they may be able to help you find an arrangement.
2) As you are not able to agree amongst you I would recommend that you contact a mediator who can help you find a solution you both agree upon.
3) You can find a mediator here: https://www.familymediationcouncil.org.uk/find-local-mediator/
4) In mediation you can make numerous offers such as offer to buy her out with the help of a mediator.
5) As a last resort you will need to bring the matter to court. You should find a solicitor to represent you. You can find a solicitor through the law society using this function: https://solicitors.lawsociety.org.uk/ (you will be able to search by area of expertise and location).
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Hi, thank you for your message. As her name is on the mortgage she is also responsible to pay. She is in a good position as you are allowing her to stay in the house and the courts will look upon this favourably on your behalf if the matter goes to court. The judge may order her to make payments in accordance with the contract. I would recommend that you try mediation before taking the matter to court as a mediator may be able to help you find a resolution. I hope this helps if you can please accept my answer there will be a box to do so and give me a five star rating for answering your question today top right corner of your screen and just answer will then credit me for helping you today.