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C_Mababejive
Posts: 11,668 Forumite
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Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
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I am so glad you posted this.
I moved in with DH (day before we married, but been together 6 years) in his house he has a mortgage and is on the deeds, as well as his mum, she paid half for the house in cash and is also on the deeds. I don't think I have any right. And it makes me feel I don't have nothing if all goes c ock up... We have 1 child together (I have another from previous relationship).
I asked him to come with me to make a will, he either changes the subject, says don't be silly we don't need a will, if I (he) die then all will go to you anyway (me). He has also told me that he has already done a will, before we got married, his mum took him. (!!!!!!?) SO I don't know where I stand, and it's very frustrating.
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am married and we just bought our house but its in OH's sole name due to my bad credit history which will start having things dropping off next year so by the time we need to remortgage I should be ok to go on the mortgage or we buy elsewhere in my sole name to take advantage of any tax breaks for 1st time buyers etc.
it doesnt concern me that i have no legal right to be here as OH knows he would be dead if he tried anything that stupid
Im having his baby, i run the house and we share finances and i will be giving up work once the baby is born due to childcare issues so if he wanted to kick me out then he would need to be prepared for a hefty divorce settlement and be taken to the cleaners for every penny. Its mercenry i know but he knew what he was getting in for when he married me 
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Darlyd, you have a fair bit of legal protection in the event of something bad happening, as you are married and have been for some time. Also a later marriage nullifies a will. The will he made before he married doesn't count.
As for me - we aren't married but we have a mortgage jointly so are equally responsible for the mortgage and equally own whatever tiny proportion of the house doesn't still belong to the bank. (That's the guttering and fourteen bricks by now, I reckon.)0 -
I am so glad you posted this.
I moved in with DH (day before we married, but been together 6 years) in his house he has a mortgage and is on the deeds, as well as his mum, she paid half for the house in cash and is also on the deeds. I don't think I have any right. And it makes me feel I don't have nothing if all goes c ock up... We have 1 child together (I have another from previous relationship).
I asked him to come with me to make a will, he either changes the subject, says don't be silly we don't need a will, if I (he) die then all will go to you anyway (me). He has also told me that he has already done a will, before we got married, his mum took him. (!!!!!!?) SO I don't know where I stand, and it's very frustrating.
Perhaps we are telepathic..?
I dont want to detract from the original question and i hope others will post their thoughts but your case serves to illustrate the insecurity and lack of sense of belonging in such situations. I think you must insist further to ensure that whatever interest you may have is clearly defined. I am sure his mother will be most insistent that the house isnt yours and that should you and her son split,you will get the rough end of the stick. This isnt good enough for a married woman with a child. I can offer some comfort though as if you google for TOLATA and read, you will see that in the worst case, it would be quite feasible that you could claim an interest in the home. However it is better to have things on paper now. How about suggesting you move home? The new home would be surely then in joint names..Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0 -
I should add that being "on the mortgage" is not the same as being a joint owner. You can be paying a morgage and yet not be an owner or have any right to live there.Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0
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C_Mababejive wrote: »I should add that being "on the mortgage" is not the same as being a joint owner. You can be paying a morgage and yet not be an owner or have any right to live there.
As in the case of my XH.. we took out the joint mortgage.. the deeds are in only my name.. he has no legal right to live in the house or claim on it should I die.. however, if I default on the mortgage he is jointly liable for the debt.
I have considered the fragile nature of my OH living here.. I have no will (yes, silly me, slappy wristies!) so my oldest son (20) should be left with all the hassle should I spring my mortal coil. OH would have nothing... no right to stay here, no right to anything really... we should be grown up and discuss this...LB moment 10/06 Debt Free date 6/6/14Hope to be debt free until the day I dieMortgage-free Wannabee (05/08/30)6/6/14 £72,454.65 (5.65% int.)08/12/2023 £33602.00 (4.81% int.)0 -
Has he ever expressed any concerns about it or is he blissfully unaware that he is one step from homelessness?As in the case of my XH.. we took out the joint mortgage.. the deeds are in only my name.. he has no legal right to live in the house or claim on it should I die.. however, if I default on the mortgage he is jointly liable for the debt.
I have considered the fragile nature of my OH living here.. I have no will (yes, silly me, slappy wristies!) so my oldest son (20) should be left with all the hassle should I spring my mortal coil. OH would have nothing... no right to stay here, no right to anything really... we should be grown up and discuss this...
PS is your Reindeer late or early...?Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..0 -
My partner and I live in my house. She has her own home which is currently being rented out.0
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C_Mababejive wrote: »Has he ever expressed any concerns about it or is he blissfully unaware that he is one step from homelessness?
PS is your Reindeer late or early...?
He isn't bothered... the way it is set up he would have time to gather himself and his stuff and our daughter and go back to his mums.. XH couldn't just boot him out as he has no legal claim on the house.. DS1 is grown up enough to not let that happen too.. or I think he is.. I'll ask him next time I see him.
The reindeer.. I've had for about 18 months.. he is very cute!LB moment 10/06 Debt Free date 6/6/14Hope to be debt free until the day I dieMortgage-free Wannabee (05/08/30)6/6/14 £72,454.65 (5.65% int.)08/12/2023 £33602.00 (4.81% int.)0 -
Barclays own the house. We have a joint mortgage but no will. I've also tried to get DH to make a will, especially as we have 3 children.0
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