Please can anyone advise me who may have been through this or a similar situation. I am at my wits end.

I bought a house 4 years ago with an ex partner. We were not married. He was only here for 10 months and paid nothing, he left me in debt with other things which I have sorted out. We were negotiating and after a while he agreed to take a token gesture of £1000 to take his name off the house and sign it over to me, when he left in 2006 the house was in negative equity and I used all my savings to keep it afloat. Anyway I have a new partner a wonderful man and we want to sell this house and move on but I can't I don't know which way to go should I have the house repossessed and go bankrupt for the shortfall as I cannot do anything else, he has disappeared with no forwarding address. It really is a terrible mess, cananyone advise me.

Thanks

Hi,

Whatever you do, don't allow it to be repossessed!!! Voluntary or not it will be classed as a repossession and for the rest of your life, you will have to state it on any mortgage application! Every application has a question, has your house been ever repossessed? In the current climate and with proposed tightening of the lending criteria, you will struggle to get another mortgage. Honestly, you better stay put or find him.