I used to have BTL mortgages myself but have sold up now and don't have the terms and conditions sheet anymore.

With a normal mortgage the property would eventually be repossessed if payments weren't made, or an agreed plan to clear outstanding monies wasn't kept to.

Who actually mentioned mortgage fraud to you and can you give exact details of the condition (word for word) that you are referring to.

Sorry but I can't comment any further without knowing the details mentioned above.

Hi SMT

As Somerled stated, first thing get a solicitor to work on your case and put all the info like dates and amounts you invested, property addresses, tenants names and rents paid all onto a few sheets of paper.

Next if you haven't got bank statements to prove the movement of monies in and out of your account referring to the time of receiving the inheritance and the time you transferred the money towards the house purchases, then I suggest you get these as soon as possible and keep the originals sent by the bank. Also if you have a copy of the solicitor's letter referring to your inheritance this could also be useful.

The more evidence you can gather then the better your case should be but make sure that you get a solicitor who has experience of this sort of case. I cannot see why mortgage fraud would come into this, maybe a repossession of the properties and your solicitor should be able to keep you in the clear even if a case was brought against your ex partner

Somerled Hi, how are you doing? and how is the trading working out for you - Gold to head north after October/November me thinks....

Hi, I really don't understand why the property/properties that you bought could not have gone into joint names? As you were providing the capital deposit/deposits you were fully entitled to be on the property deeds. Just because you weren't on the mortgage deed has little relevance. As there are clearly some large sums of money involved here I would strongly suggest to you to get yourself a very good solicitor as soon as possible. It sounds to me as though you may have been duped by your ex partner and 'if' you don't want to 'go down with him' financially, you really need to allow the truth to prevail legally. As for mortgage fraud, 'if' your ex wishes to try and implicate you for any reason than once again you will certainly need the help of a good solicitor sooner rather than later!

Depending on whether there is still any equity in these properties after a falling market, missed repayments, fees etc as to whether you could get any of your inheritance back?

Good luck.

I inherited a sum of money a couple of years ago. My partner and I decided to invest the money into property, I was unable to obtain a mortgage in my name, so all of the properties went into his name. We have now seperated and I have been told that there is a possibility that if I can prove it was my money that was used to purchase the properties, I have a chance of reedeming my inheritance. The problem lies that these properties are now in arrears with there mortgage, and I was told that my ex partner has commited fraud because he was recieving the rent but not paying the mortgage with the rent he had coming in and that because I was his partner at the time I also could stand a chance of being accused of mortgage fraud I'd appreciate if you could tell me the facts really concerned about losing my inheritance and don't fancy a prison sentence thanks