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Bankruptcy Nighmare - Abroad - Ex Partner

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Insolvency & Liquidation
(@insolvency-liquidation-2-2-2-2)
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Joined: 8 years ago
Posts: 66
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Hi everyone I need some help in my quest for bankruptcy.

I have a slightly strange situation so I'm going to try and list this in bullet points so its not to confusing. Help on this would much very much appreciated.

1, I purchased a new build with my ex 5 years ago, one year later she leaves to Australia leaving me with a £690 a month mortgage. I have paid this until present interest only. Last year it dropped to £330-£400 per month.

2, The Ex has massive debts that are not tied to me or the house, i return them to sender. Not to much problem as of yet.

3, I lost job for 3 months early in 2010 and paid half payments on the mortgage for 3 months, this arrangement was agreed with by the mortgage company. I have been making additional £68 payments every month to cover this. I owe them £200 in arrears, not a problem.

4, In England the mortgage company would not let me sell, they would not let me rent without the two signatures of the account and finally would not take the court order.

5, I rented the house out and later found this to be not illegal but it would be "out of the terms and conditions of the mortgage", However the lettings company advised this was ok. (BRIDGEFORDS LETTINGS). So I have some tenants in now who are superb, pay on time and are paying the mortgage.

6, I moved to another EU country and have been here 4 months 2 days. However I have the house I still pay for on my own in England. I have maintained a home there, a bank account.

7, I went to court late last year to try and have the other party removed form the house, mortgage and everything. My solicitor had me chase her through letters, emails and adverts on her local newspapers. Basically used my best endeavors but to no avail. The judge granted me a court order to this effect within 5minutes of being present in front of him. So all interest in the property was to be transferred to me, subject to the outstanding mortgage with GE money. The judge then stated he would sign on behalf of the ex partner.

8, I sent court order to the mortgage company who simply ignored it. I chased them an finally got an answer. The answer being "no we would not remove the other party off the house as on record we have you down as being unable to afford this house on your own". So my efforts and money were wasted. I Was back to square one.

9, If the mortgage company find out im in trouble. Either way they will not let me rent it or sell it. I do owe a small amount on an over draft and loan (3400 altogether), which I keep up the payments on, but only because I rented the house. When they stop then I cannot keep up the payments.

So I decided to let it go and go bankrupt. Ive had more hassle with this company (GE MONEY) that i have time in my life to type. I contacted ND help line and a solicitor who have advised me they can he me go bankrupt. The solicitor had all the case notes form my previous solicitor to do with the transfer of equity court order. He wants to charge me 250 pounds just to read them, I do not mind paying him if this will help my case to go bankrupt, will it?

My Question is mainly because I live in another EU country and have been OVER the 3 months BK tourism law, can I still go bankrupt in the UK because I have MAINTAINED A HOME in England, and have a bank account?



   
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