Mortgage advice

Exactly NS - as in any joint account only one signature required.

Is it a joint mortgage as in jointly and severely?
If so, one signature is sufficient.

judi1144

The bank are fully aware that it is held jointly. I am just concerned that my signature might have been forged. ?

That is why I suggested that you see sight of the application form , either from your partner or the bank .
The application will show you the facts that you need to establish what has happened.
Perhaps the application only required one signature? Maybe not ?

Where both names are on a mortgage they're independent of needing a signature of either so only one need sign.

The bank are fully aware that it is held jointly. I am just concerned that my signature might have been forged. ?

I would discuss with your OH and reinstate payments as soon as possible. Was it harder to find the payments during lockdown? Perhaps your OH didnt want to worry you? Hope you can sort it out amicably.

In the first instance I would ask your partner to show you a copy of the application that was made for the mortgage holiday . This could provide the answers you are looking for ...

I can’t help with the legal position on this, but like you OP I would be incandescent withe the bank but most especially with my OH.
Does he have form for doing things that affect you and keeping you in the dark?
Frankly I would be reconsidering the relationship.

This may be a silly question but if the mortgage is paid from your partners acc are the bank actually aware the mortgage is held jointly? If your mortgage is also with the same bank ignore me lol.