My Mother in law has messed up our mortgage payment and I'm worried?

Question

OK this is going to be long so bear with me.

Last year we fell into arrears with our mortgage. We went to court, a suspended possession order was granted, but we managed to raise the money from family to pay off the arrears and get the account clear.

The mortgage company and the court however claim the possession order still stands.

In June this year my partner lost his job and we struggled to make that month's mortgage payment. We paid what we could which was £150 short of our regular payment. The mortgage co said it was OK and as my partner found a job in August we could spread the £150 over 3 months to clear it. We owe one more payment of £50 to bring it up to date.

However

My stupid b*tch mother in law has made a mess of things. Because we had closed our bank account and were waiting to get a new one set up we needed to pay our last month's mortgage payment on a debit card and as I did not have a new card yet, I gave my MIL the money for the mortgage payment and

asked her to make the payment with her debit card (she put the money in her account)

I've recently found out that she SPENT £130 of that money on her friggin Orange phone bill and only gave the mortgage company £320 (they were supposed to have £452!). So, as well as the £50 we still owe them we are now £180 in arrears!

We can pay this month's installment but not the £180. The stupid woman claims she will "sort it out for us" but I do not trust her as far as I can throw her and am frantic with worry. My partner is very protective of his mum, he claims he is dealing with is and I should stay out of it. But I am so worried we will now be seen as defaulting on our mortgage and will be repossessed. What should I do?

The woman is waste of space and I can't beleive I was stupid enough to trust her. she was a poor mother to my partner and his brother and has done many reprrehensible things but she claims to have turned herself around and my partner now trusts her. I don't. She even LIED to us and said that she HAD paid the mortgage co the extra £130 but they had "lost it"! I didn't find out until recently as my partner hadn't told me, but the mortgage co rang me up to find out when I would be "clearing the arrears"! I am so angry I can't see straight and afraid this stupid woman has put us and our baby son at risk of homelessness through her stupid, selfish and irresponsible actions

I now have another bank account from which I can make payments.

Answer 1

I take it that you are located in England. Although I am not familiar with English real estate I am very familiar with American Real Estate.

I recommend that you call your attorney immediately. (I believe that is a Barrister in England, is that correct?)

Your mother in law probably does not even know how to straighten this out.

The fact that the payment was not made properly could invalidate your agreement with the bank.

Your attorney needs to know about this as soon as possible so that your attorney can help correct the problem.

Answer 2

Instead of blaming everyone other than yourselves for your money problems,I suggest you stop bad mouthing your Mother in Law and start being answerable to your own failings.I bet like most youngsters these days,you have the big plasma screen televisions,new cars and loads of store cards for stuff you do'nt actually need but just "must have".I get so fed up with hearing all these tales of woe ,when a bit of self sacrifice and money management would mean you do'nt have to keep expecting other people to bail you out!
You are probably thinking that I am a "rich b--tch",but I am no such thing! I have bought up 3 children myself,held down 2 jobs,gone without all the "stuff" you all deem neccessary to living,and never once have I been in debt to anyone.Never once have family had to "bail me out" and my now grown up children are all married,in terriffic jobs and like me , not in a heap of debt.So stop bleeting and take responsability for your own actions.Life throws a spanner in the works sometimes,but you have to prepare for them and go without luxuries to survive them.

Answer 3

Unless you have been consistently defaulting on payments the mortgage company would rather have the money owed than to instigate reposession. It's always better to keep them informed, sooner rather than later, of any of problems. Write to them (preferably enclosing a cheque for the shortfall) explaining what happened. In future try to ensure you meet the repayments on time. Your Mother in Law has behaved despicably to cause you this problem, I hope she intends to repay you quickly and try to make amends in any way she can.

Answer 4

Your story sounds highly refreshing compared with the normal can't pay/won't pay kind of tale.

Ring your mortgage company. If you tell them your problem, they will be more than likely to give you a stay of execution - it costs them far more to attempt to repossess a property than to hang on a couple of months.

Best of luck XX

Answer 5

I'll answer this in the words of "Dear Abby" a favoured agony aunt in the US: Your partner needs to grow a spine and stand up to his mother. She was totally out of line and needs to put this right today. (And if he's unwilling to do so, you should rethink YOUR options in this relationship. You're obviously not number one and you'll never win out over his mother as long as she still has her apron strings wrapped around his willy.)

Needless to say, you shoudl never trust this old cow with anything any more.

Answer 6

phone the mortgage company up and explain what has happened the will understand, they can see you are paying, its if you ignore them they become nasty, iv been in similar situation when my husband was out of work and we overcome this problem some morgage lenders are very understanding good luck, tell your husband yes you can deal with your mother coz i dont want anything to do with her ever. she has betrayed both of you of her trust x

Answer 7

If you value your marriage I would NOT contact your mother in law - let hubby sort it.
In future don't ask her to help you out - go into the bank and pay it straight into your mortgage account.

Answer 8

Call your mortgage company and explain. They can see that you have been paying things off, they can see you are trying, as long as you are honest and keep in contact with them, hopefully they will help.

Answer 9

Right i would phone her up either now or first thing in the morning and say '' right, you need to sort this out right now ''
I know how you feel

Answer 10

i would flush her mobile phone down the toilet