I have been reading this forum for some time now, I must say what a great job you people do in providing information and inspiration to others who are suffering with debt.
I have had a look around to see if I could find the answer to my question but I have not found a suitable answer, so I thought I would ask.
I am currently 2 years into my DMP and things are going well so far, however I have just found out my house (from previous marriage) has just been repossessed. I was making payment for half of the mortgage to my ex-partner who obviously has been pocketing the cash and not paying the mortgage. This half mortgage payment was included in my dmp as part of my I&E.
I have now had a letter from the mortgage company stating that there is a £30k shortfall and how will I be paying this back. I know that I am joint liable and severally for this debt, and my ex wife seem's to of dissapeared of the face of the planet so I am left with this shortfall on my own(life is just not fair).
My question is do you think I will be able to add this shortfall to my current DMP I will obviously be able to add the money I was paying previously to the lender to my dmp, however my current creditors would get a smaller share of the pro rata payment. I really do not know what else to do as my current debt stands at £16k and I was paying £375 pcm, I could now pay £575 pcm to £46k. Do you think that the current creditors and the mortgage lender will except, am I missing another way to sort this mess out and has anybody been in a similar situation ?
Just when I thought I was getting my life back on track and this happens to me. I cannot see any light at the end of the tunnel and know I will be skint for life.
I live in a rented bedsit and have a £500 car
Any help would be greatly appreciated.