Please Help

[beacon]

My husband died 5 years ago and the insurance paid off the mortgage and the house was transfered to my sole name. soon my sister in law took charge of my affairs and i trusted her and after the loss of my husband i was lonely confused and everything was new to me as my husband had handled everything. first of all my sister in law persuaded me to transfer the ownership of the house to her and her husbands name. saying that they will safe keep it for me. so i transfered the house to their name. no money changed hands.then she took all my wages saying she would pay my bills and buy food and safe keep my leftover money.she also took all my jewelery saying she will safe keep it in the bank for me.she also took my bank book from me and after i lost my job i was on benefits. every 8 to 10 weeks she would take me to bank to withdraw money and keep it.this has gone for nearly 5 years.i have now wised up and i have asked for the house ,jewelry and money from her but she keeps giving me excuses and avoiding me.i have always lived in my house.all this time.the house has not been insured all this time and i have heard from friends that she is planning to re mortgage the house.i am very worried can any one out there help me and give some advice as how to get my property and money back. i am 47 alone and on benefits. i have no money.
waiting anxiously
beacon

[LimeLegal]

Given the number of problems and the manner in which you have sufffered loss you should take immediate legal advice from a local firm of solicitors. On income support you will qualify for free advice so go prepared with all the various documents and see what can be done and take it from there.

[magma]

Yes, the bank can start foreclosure proceedings if payments have not been made. When your son died, his estate inherited his responsibility to keep up the payments on the house. If he didn't have any liquid assets that could be used for the upkeep, then someone should have stepped in and made payments or the estate should have put the house up for sale as quickly as possibly to avoid exactly this type of situation.

It doesn't sound like probate has really been opened on his estate; if it had and the bank was properly notified, it might have been willing to work with you. Even at this point, someone can step in and put the house up for sale on behalf of the estate to see if that provides a better outcome than letting the bank take the house.

I'm not sure why you think that the father needs to cooperate. Any family member could step in, be appointed as administrator, do whatever is necessary to settle the estate, and then provide the father with whatever funds to which he might be entitled.