Bailey2013
Registered User
- Messages
- 4
Good Morning
I'm really hoping you can help me as I have tried everywhere and cannot get any answers. Firstly I will explain my situation.
In 2007 I left Ireland to move back to the UK (i had no family or anywhere to turn to in Ireland) after discovering my husbands affair and he was violent towards me. Our divorce was finalised in 2010 on the grounds of adultery (took 4 attempts to get ex to agree).
We had in 2007 purchased a new build house in limerick, we had not moved in when i left as it wasn't ready and mortgage payments had not started.we agreed that my ex husband was still going to move into and pay the mortgage on the house. We agreed (not legally as we couldn't afford to go
Through the courts) that he would do this until the house in Ireland would be sold.
This didn't happen and the house fell into arrears. I contacted the bank to discuss options and advised them the house was up for sale. They didn't really offer me much help apart from to pay and make an appointment to see someone in branch, which I could not do as I lived in UK now. I asked if the could communicate with me via email and phone and they said they wouldn't in email.
After that phone call I heard nothing from PTSB until 2009 when I received an email asking me to contact them. I explained the house was still on the market, still empty and I still couldn't pay. I offered to hand the keys back. They said it was an option.
My ex husband who is still living in Ireland was now renting a house with his mistress only fifteen mins down the road and they refused to move in the house and pay anything.
This is still the case.
Again after this I heard nothing from PTSB until Dec 2012 when I received a letter asking for payment of arrears or vol surrender. I rang them again and said my situation had not changed and that I would surrender. My ex husband finally went to branch and agreed he would hand the keys back.
Guess what I have heard nothing again, and it is now almost September 2013. My ex is still renting and the last message I had from his is that he would declare himself bankrupt under new Irish laws.
I know I am jointly responsible for this property and believe me if I could pay I would but I can't my situation made my life change and took this out of my control, no excuse I know but it's the truth. I didn't want to take the mortgage in the first place as my ex only had a six month contract an the bank had no problems offering us te mortgage on the fact he had a letter saying he would be offered a new contract - he wasn't btw and is now unemployed and being supported by the state and his teacher mistress.
The mortgage was €245000
Arrears around €80000
Neg equity of €120-150000
I'm guessing at the above as I have no paperwork as it remained in Ireland along with half of my possessions when I left. It wasn't a well thought through exit, more a swift I have to run for it exit. Again no excuse I know.
Hat I can't understand is why PTSB haven't repossessed the house? After 7 years non payment. I my ex goes bankrupt it all falls to me and I really don't want to go bankrupt here in the uk. I don't own a home here just a car I need for work. But I know one day PTSB will come after me and I just don't know what to do.
They won't take the house, I can't pay for the house or shortfall and I'm scared for my future and my child's future.
Can anyone advise what I should do please? I've tried seeking legal advise but I can't afford £250 an hour and an Irish solicitor told me to "hide" but I've spent 7 years worrying over this I don't want to be looking over the shoulder for the rest I my life.
Please help.
I'm really hoping you can help me as I have tried everywhere and cannot get any answers. Firstly I will explain my situation.
In 2007 I left Ireland to move back to the UK (i had no family or anywhere to turn to in Ireland) after discovering my husbands affair and he was violent towards me. Our divorce was finalised in 2010 on the grounds of adultery (took 4 attempts to get ex to agree).
We had in 2007 purchased a new build house in limerick, we had not moved in when i left as it wasn't ready and mortgage payments had not started.we agreed that my ex husband was still going to move into and pay the mortgage on the house. We agreed (not legally as we couldn't afford to go
Through the courts) that he would do this until the house in Ireland would be sold.
This didn't happen and the house fell into arrears. I contacted the bank to discuss options and advised them the house was up for sale. They didn't really offer me much help apart from to pay and make an appointment to see someone in branch, which I could not do as I lived in UK now. I asked if the could communicate with me via email and phone and they said they wouldn't in email.
After that phone call I heard nothing from PTSB until 2009 when I received an email asking me to contact them. I explained the house was still on the market, still empty and I still couldn't pay. I offered to hand the keys back. They said it was an option.
My ex husband who is still living in Ireland was now renting a house with his mistress only fifteen mins down the road and they refused to move in the house and pay anything.
This is still the case.
Again after this I heard nothing from PTSB until Dec 2012 when I received a letter asking for payment of arrears or vol surrender. I rang them again and said my situation had not changed and that I would surrender. My ex husband finally went to branch and agreed he would hand the keys back.
Guess what I have heard nothing again, and it is now almost September 2013. My ex is still renting and the last message I had from his is that he would declare himself bankrupt under new Irish laws.
I know I am jointly responsible for this property and believe me if I could pay I would but I can't my situation made my life change and took this out of my control, no excuse I know but it's the truth. I didn't want to take the mortgage in the first place as my ex only had a six month contract an the bank had no problems offering us te mortgage on the fact he had a letter saying he would be offered a new contract - he wasn't btw and is now unemployed and being supported by the state and his teacher mistress.
The mortgage was €245000
Arrears around €80000
Neg equity of €120-150000
I'm guessing at the above as I have no paperwork as it remained in Ireland along with half of my possessions when I left. It wasn't a well thought through exit, more a swift I have to run for it exit. Again no excuse I know.
Hat I can't understand is why PTSB haven't repossessed the house? After 7 years non payment. I my ex goes bankrupt it all falls to me and I really don't want to go bankrupt here in the uk. I don't own a home here just a car I need for work. But I know one day PTSB will come after me and I just don't know what to do.
They won't take the house, I can't pay for the house or shortfall and I'm scared for my future and my child's future.
Can anyone advise what I should do please? I've tried seeking legal advise but I can't afford £250 an hour and an Irish solicitor told me to "hide" but I've spent 7 years worrying over this I don't want to be looking over the shoulder for the rest I my life.
Please help.