Thank you for your patience and help-have sent message to Sequenci and will update once i have response-by the way who or what is Sequenci?

buzby-thank you for your response. i have received legal advice re. this situation and they advise that my beneficial interest ie.50% is protected however they are not managing to come up with any solutions to solving this mess. Luckily it was an informal ex so at least one thing is on my side-i think!! Thanks again

Tomterm8: Thank you for your response To clarify we were unmarried and there was no children. In respect of residency this property was not going to be lived in by us but instead bought and sold. However he moved into it without my knowledge and has stayed there since. I eventually got a court order to have the property sold and the funds split and since then he has left the house and gone to live elsewhere, again without informing anyone. The property has not been easy to sell and as yet i do not have a buyer however obviously i will be financially affected if the bank tries to force a sale at a reduced price The mortgage was taken by him in his sole name around the time he moved into the property. Regarding ownership of the house i've been told that we have the normal joint tenancy ie. if i die he gets house and vice versa the rest of your analagy of the situation is correct Apologies for being a donut but could you explain your advice about PMing sequenci

tonycee-you're a saviour thanks for your help

Being a complete newbie how do i get this thread moved to the mortgage forum?

Tonycee-thanks for taking the time to respond, unfortunately as the mortgage is held in his name only i don't think i will be able to use the S.A.R route. I have sought legal advice but to be honest because its an unusual case no-one seems to be able to find a solution to it. Thanks again

Sorry i think i need to clarify, this property was not going to be lived in by us but instead bought and sold. However my ex moved into it without my knowledge and has stayed there since. I eventually got a court order to have the property sold and the funds split and since then he has left the house and gone to live elsewhere, again without informing anyone. The property has not been easy to sell and as yet i do not have a buyer however obviously i will be financially affected if the bank tries to force a sale at a reduced price

I hope i am doing this right as this is my first posting on this site!! ANY THOUGHTS GRATEFULLY RECEIVED In short, my ex took a mortgage out on a jointly owned property owned 50% by me and 50% by him without my knowledge or consent. The bank concerned, RBS, did not put a charge on the property in relation to this mortgage-I assume after they realised they had made a mistake in lending it to one party alone. However, there was a short term loan taken out some 2 years previous which enabled us to purchase the property which was secured on the property and this short term loan was paid off in full from the proceeds of the new mortgage and the balance then given to my ex as cash. On this loan account statement the balance is nil and the account has printed on it "account closed". Despite many letters requesting them to remove the charge associated with the settled loan the rbs have refused to remove it saying that the charge is only over my ex's beneficial interest in the property. Since then my ex has defaulted on his mortgage payments and the RBS are looking at repossession using their solicitors Cobbetts. I have tried to speak to the bank on numerous occassions and they tell me that they cannot speak to me as i am not their client. CAN ANYONE HELP? Can they repossess on his share of the property and force sale? As the charge that they are refusing to remove has been settled and the account closed is this charge still valid, can they still exercise on it? To confirm my name is on the land registry documents as a registered owner and has been there since purchase of the property.

I hope i am doing this right as this is my first posting on this site!! ANY THOUGHTS GRATEFULLY RECEIVED In short, my ex took a mortgage out on a jointly owned property owned 50% by me and 50% by him without my knowledge or consent. The bank concerned, RBS, did not put a charge on the property in relation to this mortgage-I assume after they realised they had made a mistake in lending it to one party alone. However, there was a short term loan taken out some 2 years previous which enabled us to purchase the property which was secured on the property and this short term loan was paid off in full from the proceeds of the new mortgage and the balance then given to my ex as cash. On this loan account statement the balance is nil and the account has printed on it "account closed". Despite many letters requesting them to remove the charge associated with the settled loan the rbs have refused to remove it saying that the charge is only over my ex's beneficial interest in the property. Since then my ex has defaulted on his mortgage payments and the RBS are looking at repossession using their solicitors Cobbetts. I have tried to speak to the bank on numerous occassions and they tell me that they cannot speak to me as i am not their client. CAN ANYONE HELP? Can they repossess on his share of the property and force sale? As the charge that they are refusing to remove has been settled and the account closed is this charge still valid, can they still exercise on it? To confirm my name is on the land registry documents as a registered owner and has been there since purchase of the property.