I am looking for some advice, I have already sought professional legal and financial advice however I seem to be going around in circles! The synopsis of my situation is;
In 2005 I was given 100% mortgage of 500k for an apartment with my then fiancé. In 2008 the relationship ended at much the same time the property value crashed. I immediately contacted BOSI to inform them of the changed circumstances and seek advice. The co owner has since absconded out of the country and has contributed nothing in over 18 months. I am left holding the can. I am trying desperately to engage with certus/BOSI but in 4 + years have achieved little progress other than to secure intermittent interest only periods. This is a tracker mortgage. I have written multiple letters and have found it exceedingly difficult to engage with certus. I have since remarried and would love to be able to move on with our life but I can see no way out and feel quite hopeless.
Can anybody offer us any advice as to what we should could do (insolvency is not an option for me as my profession does not allow it)
I would greatly appreciate any constructive advice, this is an extremely emotive issue for us which is essentially dictating our lives
In 2005 I was given 100% mortgage of 500k for an apartment with my then fiancé. In 2008 the relationship ended at much the same time the property value crashed. I immediately contacted BOSI to inform them of the changed circumstances and seek advice. The co owner has since absconded out of the country and has contributed nothing in over 18 months. I am left holding the can. I am trying desperately to engage with certus/BOSI but in 4 + years have achieved little progress other than to secure intermittent interest only periods. This is a tracker mortgage. I have written multiple letters and have found it exceedingly difficult to engage with certus. I have since remarried and would love to be able to move on with our life but I can see no way out and feel quite hopeless.
Can anybody offer us any advice as to what we should could do (insolvency is not an option for me as my profession does not allow it)
I would greatly appreciate any constructive advice, this is an extremely emotive issue for us which is essentially dictating our lives