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House Repossession

  • 23-11-2013 2:13pm
    #1
    xander5
    Registered Users, Registered Users 2 Posts: 21 ✭


    My partner & I split up over 2yrs ago now and neither of us have lived in our house for over a year.He decided not to pay the mortgage anymore and obviously as a result the bank have issued letters saying the house could be repossessed. I have seen a solicitor in relation to this last summer but as yet nothing back from the bank. I am just wondering if I would still be able to move back into the house and live there and how long would it be before the bank actually repossess and evict me? Any help with this would be great.


Comments

  • #2
    Bepolite
    Closed Accounts Posts: 2,737 ✭✭✭Bepolite


    If it's your house crack on with moving back in. You could be evicted tomorrow or in a year. If you're moving back in why not contact the bank and try and work out a repayment strategy?


  • #3
    Aka Ishur
    Registered Users, Registered Users 2 Posts: 740 ✭✭✭Aka Ishur


    I just want to ask, have you been making payments?


  • #4
    Ken.
    Closed Accounts Posts: 12,898 ✭✭✭✭Ken.


    Be warned, If you move back in theirs nothing to stop your ex moving in also. Unless you've got some sort of protection order against him.


  • #5
    xander5
    Registered Users, Registered Users 2 Posts: 21 ✭xander5


    Oh he has no intention of moving back in.He always paid the mortgage when we lived there until we broke up and he didn't care after that.He didn't really pay any bills after that,but he did take most of the furniture and I got left with the dogs.Even the power was cut off as he hadn't paid a bill in ages and I've been landed with a bill(in both our names) that I now have to try and pay off.I had been in touch with a solicitor to give back my half of the house but that was in May and they haven't been back in touch.And no point trying to contact him as he won't reply to any form of message from me.


  • #6
    Aka Ishur
    Registered Users, Registered Users 2 Posts: 740 ✭✭✭Aka Ishur


    xander5 wrote: »
    Oh he has no intention of moving back in.He always paid the mortgage when we lived there until we broke up and he didn't care after that.He didn't really pay any bills after that,but he did take most of the furniture and I got left with the dogs.Even the power was cut off as he hadn't paid a bill in ages and I've been landed with a bill(in both our names) that I now have to try and pay off.I had been in touch with a solicitor to give back my half of the house but that was in May and they haven't been back in touch.And no point trying to contact him as he won't reply to any form of message from me.

    You seem very relaxed about all this. I presume you are on the mortgage as you mention 'your half' of the property. You realise that if the mortgage isn't covered by the repossession you could be chased for the entire difference. You have an entire mortgage. Not half of one.


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  • #7
    xander5
    Registered Users, Registered Users 2 Posts: 21 ✭xander5


    Aka Ishur wrote: »
    You seem very relaxed about all this. I presume you are on the mortgage as you mention 'your half' of the property. You realise that if the mortgage isn't covered by the repossession you could be chased for the entire difference. You have an entire mortgage. Not half of one.

    I am far from relaxed about the whole thing.I realise my neck is on the line for this house as my name is also on the mortgage.It's why I contacted a solicitor to deal with it but he just seems to have run into a brick wall with the bank so I'm just wondering if it would matter if I just moved back in until the inevitable happens or I can figure out some kind of solution instead of leaving the house sitting empty is all.


  • #8
    WhichCar
    Registered Users, Registered Users 2 Posts: 39 ✭WhichCar


    I have a friend in a similar situation. As far as I can tell, the banks don't seem to care if you're living in the house or not. They just see you owing them money. If you're not worried about your ex turning up on the doorstep, I'd move back in. Or you could rent it out?


  • #9
    Victor
    Registered Users, Registered Users 2 Posts: 78,580 ✭✭✭✭Victor


    Check the insurance policy - it might be void if the property is unoccupied for more than 30 days.


  • #10
    xander5
    Registered Users, Registered Users 2 Posts: 21 ✭xander5


    WhichCar wrote: »
    I have a friend in a similar situation. As far as I can tell, the banks don't seem to care if you're living in the house or not. They just see you owing them money. If you're not worried about your ex turning up on the doorstep, I'd move back in. Or you could rent it out?

    I had thought of that but sadly the area the house is in has become undesirable and renting it out has become impossible. I also discovered recently that a kitchen window had been smashed in. Have now decided it'd be better to just board it up and wait for the bank to come looking for it.


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