Hi, yes he stopped paying the mortgage a couple years ago, i moved out on his agreement that he would continue to live there and pay the mortgage but he up and left for the other side of the world. The bank just send me monthly letters with the arrears amount on it they haven't tried to repossess yet. We didn't have any written agreement between ourselves only whatever we signed up with the bank.
I don't have any assets, i work part time, have 2 children for my ex too, im back living with my parents. Could the bank try to get money from my parents house?
Is there any legal thing in place that if i have no contact from my ex regarding the house, that i can take over responsibility and surrender the house on his behalf? I think maybe you have to be married for that but im not married to him.