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My ex left me

data1970
data1970 Posts: 6 Forumite
in Mortgages & endowments
I have a joint mortgage, my ex left six months ago, does she have the right to enter the property or move back in, even though she has not paid anything towards the mortgage?
«13

Comments

  • Browntoa
    Browntoa Posts: 49,620 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    as long as her names on the mortgage
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    Long term forum member
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    You both jointly own the property.

    You are both jointly liable for the debt (in other words, if she isn't paying you have to pay it all).

    Unless some sort of legal agreement is in place barring her from entering the property you shouldn't stop her from doing so.

    Time to get a solicitor on the case. Enjoy the bill :( .
  • macman
    macman Posts: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Though nothing prevents you from changing the locks anyway to discourage her...
    No free lunch, and no free laptop ;)
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    macman wrote: »
    Though nothing prevents you from changing the locks anyway to discourage her...
    You would be on VERY dodgy legal ground if you did that.
  • mark5
    mark5 Posts: 1,365 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    If someone lost a set of keys to their house it would be wise to change the barrels to the locks!
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    mark5 wrote: »
    If someone lost a set of keys to their house it would be wise to change the barrels to the locks!
    I like your thinking!
  • macman
    macman Posts: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    opinions4u wrote: »
    You would be on VERY dodgy legal ground if you did that.

    I wasn't suggesting that the OP would permanently lock her out. But at the very least it would put the onus on her to gain entry, rather than just wandering in at any time of her choosing. After 6 months, presumably she would have removed any property of hers that she wanted back.
    No free lunch, and no free laptop ;)
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    Of course if you chaged the locks and she tried to get in she could equally get a locksmith out and change the locks and not give you a key...
    Get legal advise before you start antagonising her :)
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    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

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  • macman
    macman Posts: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm still puzzled as to why she might come back after 6 months? She left voluntarily, after that length of time the OP has the right to properly secure his property.
    If the OP had thrown her out and changed the locks the next day, that would be a different scenario.
    No free lunch, and no free laptop ;)
  • data1970
    data1970 Posts: 6 Forumite
    The reason she might want to come back is because the Housing benefit has been suspended and she may have know where to live
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