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Trying to get name off deeds!!

  • 23-02-2010 8:27pm
    #1
    bleedinrapidbud
    Closed Accounts Posts: 28 ✭


    Hi folks
    Just a quick question and i'm not looking for legal advice just opinions.
    If i wanted to take my name off the deeds to a house and i wasn't looking for any money even though i have put money into it but i don't want a cent-could this be achieved?
    We are split up now and she can pay the mortgage on her own cause she has a great job.
    At this stage because of the nature of the break up i am prepared to give the keys back and put us both into bad credit which i don't want but will do!!
    Has anyone ever heard of a similar case and what was the outcome.
    Would be thankfull for anyone with an opinion to reply.


Comments

  • #2
    dats_right
    Registered Users, Registered Users 2 Posts: 1,169 ✭✭✭dats_right


    Simple answer is that this requires the consent of a) the other co-owner and b) the bank. It is the latter which is usually hard to obtain and without that this is not a runner.


  • #3
    bleedinrapidbud
    Closed Accounts Posts: 28 ✭bleedinrapidbud


    dats_right wrote: »
    Simple answer is that this requires the consent of a) the other co-owner and b) the bank. It is the latter which is usually hard to obtain and without that this is not a runner.


    Yeah i have (A) but the bank are actually making my life hell their so ignorant.Theres more behind the story and am thinking of taking it to court theres a lot they don't know that maybe a judge might take into consideration-nobody deserves to be punished for the stupid decisions of another-surely the law isn't corrupt like the bankers?


  • #4
    jhegarty
    Registered Users, Registered Users 2 Posts: 6,441 ✭✭✭jhegarty


    Is there equity in the house ?


  • #5
    bleedinrapidbud
    Closed Accounts Posts: 28 ✭bleedinrapidbud


    jhegarty wrote: »
    Is there equity in the house ?

    Yeah nearly 100,000 negative-the situation is unreal-she has proven to the bank that she can pay and i refused to pay when she decided to tell me to f**k off.
    I can't even buy my own house cause i'm on the deeds to this one!!


  • #6
    jhegarty
    Registered Users, Registered Users 2 Posts: 6,441 ✭✭✭jhegarty


    If there is 100k in negivate equite then you should be paying her to get out of it.


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  • #7
    bleedinrapidbud
    Closed Accounts Posts: 28 ✭bleedinrapidbud


    jhegarty wrote: »
    If there is 100k in negivate equite then you should be paying her to get out of it.

    I said that to my solicitor and she said the only way out is to sell and split what we owe-i thnk i'll just meet with the bank and offer my share of the shortfall!!!


  • #8
    maidhcII
    Closed Accounts Posts: 72 ✭✭maidhcII


    bleedinrapidbud wrote: »
    I said that to my solicitor and she said the only way out is to sell and split what we owe-i thnk i'll just meet with the bank and offer my share of the shortfall!!!

    There is no reason for the bank to agree to that, you are both jointly and severally liable on the mortgage. Taking your "name of the deeds" won't solve anything, in fact it most likley will only complicate things, because your name sure as hell will still be on the mortgage and that is all that matters.

    You went to a solicitor, he told you what to do, if you are not happy with that advice go to another solicitor. You are not going to solve this by asking random people on boards.


  • #9
    bleedinrapidbud
    Closed Accounts Posts: 28 ✭bleedinrapidbud


    maidhcII wrote: »
    There is no reason for the bank to agree to that, you are both jointly and severally liable on the mortgage. Taking your "name of the deeds" won't solve anything, in fact it most likley will only complicate things, because your name sure as hell will still be on the mortgage and that is all that matters.

    You went to a solicitor, he told you what to do, if you are not happy with that advice go to another solicitor. You are not going to solve this by asking random people on boards.


    Wasn't tryin to solve it just lookin for opinions like i said at the start.Thought maybe someone might have had the same experience,anyway i'll keep tryin different things till i get out of the mess.


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