Some advice needed

jakem_2

tandraig wrote: »

I remember the last thread you mentioned steph.
your Oh is paying the mortgage on an ex council house which his dad used to rent. that is why he is treating it as his own house!
there may be a bit of a legal conflict here - the tenants of the house are supposed to be paying the mortgage dont you think?
saying that - the lady who has the house next to me - I know her son is paying the mortgage and its ex council in her name - there must be a legal process
I will leave it there

I could be wrong but if the son is buying his fathers ex council house, then the fathers name has to be on the deeds as well as the son, so even if father doesnt pay a penny towards the mortgage, and son pays it all, if and when son decides to sell it, the father is entitled to half even though son has paid the mortgage for years.

jakem_2

Stephb1986 wrote: »

I can understand that his dad's name is on the deed so therefore technically his house but what I'm saying is if it wasn't for my OH his dad wouldn't have a house. His dad has agreed to sign the house over once the 5 years is over if that happens I do not know I don't think he will and I have already raised the concern with him about this but he wants to see the best out of his dad that he will do it. Where as I live in the real world. I am very close to my mum and step dad and my OH has shared this information with them and they seem to think the same as me that his dad will rip him off.

Thanks for all the advice

Steph xx

Sorry, I have just read this post after I posted my last reply, but I realise now that your OH name isnt even on the deeds!!! why ever not, if your Oh is paying the mortgage, and got the mortgage then he should have had his name on the deeds.
Unless his dad signs the house over to him, or even now go and see a solicitor to at least get his name on the paperwork, his dad could change his mind and not sign it over after 5 years.

paddy's_mum

Steph, given the fact (evidenced in your posts elsewhere) that you actively dislike your fiance's entire family and that you had to push to make your fiance propose, and now this looming disaster, might you be wise to put the whole engagement and wedding thing on hold and just wait to see how things pan out?

You are still young but to older eyes, you seem so hell-bent on the wedding fairytale that you are racing at top speed into risk filled situations which could so easily damage your wealth, health and happiness. If she ever got to hear of it, heaven knows what your future sister-in-law would make of your arrogant and selfish plan to foist her father and all his problems upon her and her family. Barefaced planning to manipulate others won't make you many friends.

I'd be intriqued to know what advice your own mother and stepfather have given you over all this.

I don't think the f-i-l is the only one who is kidding himself that if you pull down the blinds, problems will just magic themselves out of the picture!

smartpicture

jakem wrote: »

Sorry, I have just read this post after I posted my last reply, but I realise now that your OH name isnt even on the deeds!!! why ever not, if your Oh is paying the mortgage, and got the mortgage then he should have had his name on the deeds.
Unless his dad signs the house over to him, or even now go and see a solicitor to at least get his name on the paperwork, his dad could change his mind and not sign it over after 5 years.

Because when you buy a council house with a discount, it can only be bought by the person/people who were named on the tenancy - so it would have had to be in the dad's name.

However, presumably the son and father would have come to some agreement at that time about what would happen in the future to protect the son's interest as he was paying the mortgage? Wouldn't they?...

Pollycat

smartpicture wrote: »

However, presumably the son and father would have come to some agreement at that time about what would happen in the future to protect the son's interest as he was paying the mortgage? Wouldn't they?...

Smartpicture, I think you have your answer HERE:

Stephb1986 wrote: »

There is an agreement that after 5 years he will sign the house over to my OH whether it will happen or not is another story!

Whether there is anything other than a verbal agreement in place is anybody's guess.

I've just re-read the thread and can't believe how many times Steph has said that it's her OH's house, not the FIL-to-be's.
She seems to think (or seemed to until many people have pointed out her understanding was wrong) that because her OH was paying the morgage, it belonged to him.
She even talks about her OH 'evicting' him.

but his dad doesn't agree to sell I'm sure he would stop paying the mortgage or evict his dad.

A crash course in property law would seem to be more necessary to Steph and her OH than wedding planning.

Radiantsoul

So marry this guy and you will be living in a dump which is falling down with an ill old man and relatives turning up all the time. Your husband will be paying the mortgage(which is probably quite low to be fair). Ultimately when the FIL dies their ought to be a will which will give your husband the house, but might not. The house will then be sold and there will be a small profit. So the best plus is you make a small profit on the house(which is limited as it sound like it needs a lot of work).

The risks are that your husband will not be able to get a mortgage, that you cannot easily move the old man out, that the house ends up being left to someone else, etc.

To be honest I have no sympathy with your partner who sought to get a discounted house from the council and which the taxpayers have funded the discount. He should except that in going down this route he is morally oblidged to pay the mortgage.

If I were you I would look for another man...

JBD

TBH, after reading through some of Steph's previous threads I'm really starting to wonder just how strong her connection to reality is.

bestpud

JBD wrote: »

TBH, after reading through some of Steph's previous threads I'm really starting to wonder just how strong her connection to reality is.

I know what you mean - I've just had a look myself! :eek:

paddy's_mum

Me too, and there are some roaring discrepancies. I was particularly struck by a thread from October 08 in which she emphatically states that she'd like the father in law thrown out ...

Lack of honesty enrages me especially when innocent and helpful members are giving of their time, wisdom and experience only to discover that they are being made monkeys of.

I can't and won't tolerate lies so I'm afraid I'm out of here.

lifeisgood

OP, if you genuinely don't know whose names are on the deeds, go to
http://www.landregistry.gov.uk/wps/portal/Property_Search , enter the postcode and pay £4 to download the register. You will have to wait until tomorrow to do this.

You will then see the names and also the list of people and companies who have a charge over the property. The first named company should be the main mortgage, hopefully a regular High St lender, but I do wonder.

Then ask yourself if your OH is really so ignorant and naive, or whether he isn't being completely truthful with you. Not sure which is worse.

Is your FIL2B divorced from his wife? Just another thought, as if he dies, this could create more problems.