Need Guidance ASAP

jacknife

I was made redundant and decided to put my money into a new business, which at the moment is holding it own.

My wife and i are separated and she left the family home and took all the furniture, I'm also living with someone in another town, at the moment the family home is empty and i'm paying the mortguage, my wife had the locks changed on the house so i told my solicitor and i got a set of keys, but then i discoverded that the door are locked for the rooms, i told the solicitor and we heared nothing back.

I do not want to live in the house either does my wife and i'm paying for an empty house and rent, maintanience on top.

I want some advice on what to do with the family i would love to just give it back to the bank, i spoke to them and there were not very helpful.

I do'nt know what to do, i cant sell or rent it because of my wife

edellc

I dont understand why you cant sell or rent because of your wife....very strange

If neither of you want to live there then the only option is to put it up for sale or rent it out to pay the mortgage and any excess income from renting gets split two ways

once you start the divorce proceeding then you will have to split the assets so it'll happen one way or the other

as for the doors being locked inside, suck it up and pay for a locksmith to open them and monies you have to pay to do this along with placing an advert to rent or buy take out of the income you receive from it...keep receipts

You really are better going to speak to your solicitor about putting the house up for sale, and informing your wife of this if she then decides she wants to keep the house, then you go from there, but at the minute its stupid to be paying for a house no one is living in and neither of you want so take charge and do something about it and stop making obstacles for yourself

jacknife

I've no contact with my wife, she changed her number, her family will not answer my calls, etc

if i get the inside door locks changed she will change the front door locks again, its crazy i know, i would rather give the house up to the bank

edellc

send a registered letter to her family home or to where she is living now stating what your intentions are or better still get the solicitor to do it...along with the paper work for a divorce

how would she even know you have changed the locks unless she is paying a visit the house weekly or has the neighbour ringing her if there is activity and if the neighbour is doing this, why are they doing this for her and not you..

OP your looking for advice, you have been given advice, you dont seem to want that advice (which is fine with me) but I fail to see what other advice people can offer

You seem to want to hand the house back to the bank and thats all you intend to do, but just want some one to aay yes do that...even if you do this you still own the debt, it wont go away..the bank can refuse to take it back and even if they do and sell it, they may not get enough to cover the amount you borrowed and you will still owe money so really I dont see how this is a viable option

jacknife

Edellc, thank you for your advice, I appreciate it, I'm meeting with my solicitor tomorrow.

Its great she can just leave and dump the house and mortguage on me

edellc

Good luck with the solicitor and maybe others on here can offer more to you

Yes it does seem unfair but unfortunately life is unfair sometimes and what doesnt kill us makes us stronger and we learn life lessons, yours is a harsh life lesson and your wife should be contributing to the repayments. Just make sure you have the documents and bank statements to show you are paying not her, so if and when the house is sold she doesnt then profit with half the proceeds.