Tricky one - advice gratefully received

Mgreen17_2

Hiya,

I will try and keep this brief.

I split up with the girlfriend 3 years ago and moved out of the shared house with shared mortgage.
I paid half of ALL bills for nearly 2 years until we needed to get things sorted.

We couldn't agree on a fair way to sell to each other, but then she got a new boyfriend who paid have the bills so it didn't matter as my costs were covered.

Thats gone on for a year or so, and now she is saying he is going to stop paying half and just live there permanently as her guest. Leaving me liable to have to start paying half again.
Can she do that?!
He has cancelled his direct debit now...

Also, I have another property and do not need a mortgage or credit rating so I was thinking about just stopping paying half even though it will eventually effect my credit, in a hope that it will effect hers as well and it will force a resolution. Good idea or not wise?

I have said I cant afford two mortgages (which I cant) so she currently thinks I am going to rent my other one and move back in with her and her boyfriend which is clearly a absurd situation that is awful for everyone.

Any sage advice anyone please?

Ps - I know its sensible to sell my half to her but she is saying she will only pay £85K when its a £250K house and half is £125!
Basically she is hoping I get so cheesed off and upset with the whole thing I will just wash my hands of it and effectively take a massive hit to be finished with it.

dippy

It's easy to turn the tables on your ex and cheese her off instead. Get a mate to move in at half-rent and make their lives hell.

Mgreen17_2

Many petty options have been discussed - really trying to avoid going that way...

PJD

Why should you pay the bills? You're not living there so you're not using any of the utilities.

How will it affect your credit rating, - I thought your credit rating is tied to the address you actually live at.

dopester

I guess you were still a little bit tender by the situation when you started this thread.

Back then you moved in with your parents. You went on to buy another house?

I don't know what you should do, but if lender doesn't get its mortgage payments I guess they'd try and locate you, in your new mortgaged home.

inspirespirit

Sell it. You don't need her permission to put it up for sale. This happened to my son. She stayed in the house and put it up for sale without him even knowing. When I rang the estate agents, the contract was valid. Checked with solicitor and yes it was legal. So the house was sold at a price she agreed, to an estate agent whose price she agreed etc. etc.

So just put it on the market. Let them come home to a For Sale sign up.

RedwoodBrook

inspirespirit wrote: »

Sell it. You don't need her permission to put it up for sale. This happened to my son. She stayed in the house and put it up for sale without him even knowing. When I rang the estate agents, the contract was valid. Checked with solicitor and yes it was legal. So the house was sold at a price she agreed, to an estate agent whose price she agreed etc. etc.

So just put it on the market. Let them come home to a For Sale sign up.

That's worrying. My husband still has a mortgage with his ex-partner. She lives in the house.

Are you saying she could put the house up for sale, and actually go on to sell it, without my OH ever knowing or having anything to do with it?

missjy

Am pretty sure I house with a mortgage in joint names needs both people's signatures for a sale!

It is a tricky one and I would suggest that you go see your local CAB office or call a solicitor. If you've invested money in the property then it's as much yours as it is hers - good luck x

RedwoodBrook

missjy wrote: »

Am pretty sure I house with a mortgage in joint names needs both people's signatures for a sale!

Did a quick bit of research on the net and that seems to be the case! Phew

pimento

How do you know it's a £250k house?

BeardedDez

Why don't you attempt to negotiate the price?

Why would you still want to be connected to this woman in this way?

Get rid, relationships end, someone always feels they have got the short end of the stick..........at least she is offering you some money.
Why haven't you negotiated it or taken it?

Move on.