keithcresswell Posted November 17, 2013 Share Posted November 17, 2013 I am just about to make the final mortgage payment on my wife's house to SCB . Does anybody know what happens next, ie the process? Due to a brain haemorrhage my wife is severely disabled and is unable to help. Hence my question. Link to comment Share on other sites More sharing options...
CharlieH Posted November 17, 2013 Share Posted November 17, 2013 One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Link to comment Share on other sites More sharing options...
keithcresswell Posted November 17, 2013 Author Share Posted November 17, 2013 One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Thanks, but that was the first thing I tried. However although we are legally married and the payments come from our joint account, and I am the mortgage guarantor, the mortgage is in my wife's name and therefore the bank will only talk to my wife about it. I have explained that my wife is both physically and mentally disabled but that didn't cut any ice. I suppose, basically I'm trying to find out whether this is going to involve a trip to the Land office. I guess I'm going to have to end up going to a lawyer. Link to comment Share on other sites More sharing options...
CharlieH Posted November 17, 2013 Share Posted November 17, 2013 (edited) One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Thanks, but that was the first thing I tried. However although we are legally married and the payments come from our joint account, and I am the mortgage guarantor, the mortgage is in my wife's name and therefore the bank will only talk to my wife about it. I have explained that my wife is both physically and mentally disabled but that didn't cut any ice. I suppose, basically I'm trying to find out whether this is going to involve a trip to the Land office. I guess I'm going to have to end up going to a lawyer. Sorry about your wife, may I suggest that you go see a lawyer with a view to obtaining the Thai equivalent to a "power of attorney" over your wifes affairs, that will give you legal access and control to whatever you need, not just for this but for any other issues that may arise in the future. Dont know if its even possible but needs exploring as a suggestion. Best of luck. Edited November 17, 2013 by CharlieH Link to comment Share on other sites More sharing options...
FiftyTwo Posted November 17, 2013 Share Posted November 17, 2013 (edited) One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Thanks, but that was the first thing I tried. However although we are legally married and the payments come from our joint account, and I am the mortgage guarantor, the mortgage is in my wife's name and therefore the bank will only talk to my wife about it. I have explained that my wife is both physically and mentally disabled but that didn't cut any ice. I suppose, basically I'm trying to find out whether this is going to involve a trip to the Land office. I guess I'm going to have to end up going to a lawyer. When a previous gfs home loan (BKB) was in arrears the bank were happy to negotiate with me, without the gfs knowledge or permission. My wife now has a home loan (SCB), totally in her name, the bank have no problems dealing direct with me. Make the final payment and do nothing is the easy option, what are they going to do? Edited November 17, 2013 by FiftyTwo Link to comment Share on other sites More sharing options...
keithcresswell Posted November 17, 2013 Author Share Posted November 17, 2013 One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Thanks, but that was the first thing I tried. However although we are legally married and the payments come from our joint account, and I am the mortgage guarantor, the mortgage is in my wife's name and therefore the bank will only talk to my wife about it. I have explained that my wife is both physically and mentally disabled but that didn't cut any ice. I suppose, basically I'm trying to find out whether this is going to involve a trip to the Land office. I guess I'm going to have to end up going to a lawyer. When a previous gfs home loan (BKB) was in arrears the bank were happy to negotiate with me, without the gfs knowledge or permission. My wife now has a home loan (SCB), totally in her name, the bank have no problems dealing direct with me. Make the final payment and do nothing is the easy option, what are they going to do? Yes I'm sure the bank would be willing to speak to me if I cancelled the standing order. Maybe I'll just do as you suggest and see what happens. Thanks Link to comment Share on other sites More sharing options...
keithcresswell Posted November 17, 2013 Author Share Posted November 17, 2013 One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Thanks, but that was the first thing I tried. However although we are legally married and the payments come from our joint account, and I am the mortgage guarantor, the mortgage is in my wife's name and therefore the bank will only talk to my wife about it. I have explained that my wife is both physically and mentally disabled but that didn't cut any ice. I suppose, basically I'm trying to find out whether this is going to involve a trip to the Land office. I guess I'm going to have to end up going to a lawyer. Sorry about your wife, may I suggest that you go see a lawyer with a view to obtaining the Thai equivalent to a "power of attorney" over your wifes affairs, that will give you legal access and control to whatever you need, not just for this but for any other issues that may arise in the future. Dont know if its even possible but needs exploring as a suggestion. Best of luck. I did tentatively check about POA but I understand it would have to go to court and, to be honest, that all sounded a bit complicated and probably more than a bit expensive. Also my wife's family have now become heavily involved in her care and I am not sure if they might object to a farang (albeit married for 16 years) taking control of their potential legacy. I feel that I'm walking a tightrope at the moment. Anyway thanks for your suggestion. Link to comment Share on other sites More sharing options...
vincent13 Posted November 17, 2013 Share Posted November 17, 2013 I'd be thinking long and hard about the efficacy of making the "final" payment until I had more information about what would then transpire. Presumably the title would then pass to your incapacitated wife which leaves you where? You need to get some quality legal advice. Sorry to hear about your wife and best wishes. Link to comment Share on other sites More sharing options...
JoeThePoster Posted November 17, 2013 Share Posted November 17, 2013 (edited) The original chanote will be released by the bank and usually the title holder has to sign for it when the transfer takes place at the land office. Edited November 17, 2013 by JoeThePoster Link to comment Share on other sites More sharing options...
lemoncake Posted November 17, 2013 Share Posted November 17, 2013 One would assume you will receive or be asked to collect relevant title deed etc for the property. Most banks have english speaking staff, why not enquire directly with your local branch. Thanks, but that was the first thing I tried. However although we are legally married and the payments come from our joint account, and I am the mortgage guarantor, the mortgage is in my wife's name and therefore the bank will only talk to my wife about it. I have explained that my wife is both physically and mentally disabled but that didn't cut any ice. I suppose, basically I'm trying to find out whether this is going to involve a trip to the Land office. I guess I'm going to have to end up going to a lawyer. I am sorry about your wife As other poster has mentioned, perhaps getting power of attorney is the way and would be handy paper to have at a later time. I believe once its all paid off, you will receive all the papers in the mail or be called in to collect to sign off. The problem i see which you already have, most likely papers will be posted by registered post and only she would be able to sign, but if she is incapable, they may not release it. Another option may be is to visit any bank and ask them to explain general procedure for you, this may clear up some air. Link to comment Share on other sites More sharing options...
kikoman Posted November 17, 2013 Share Posted November 17, 2013 TIT, you need to talk to an attorney, you need legal advise, do you have any children? Maybe possible to make them caretakers of the property until they are old enough to own property outright. Also what can you look forward to once the house is paid off and your wife remains incapacitated and her family moves in if you have not built a good relationship with her family. It would be a good idea to hold off making that final payment until you are sure you can get legal written permission of the next of kin to be allowed to live in your house if your wife can no longer guarantee your right to remain in your own home. Good Luck, Cheers: Link to comment Share on other sites More sharing options...
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