re-credit check

joe134

tigerfeet2006 wrote: »

If he is owner of the house then she cannot change the locks and keep him out I am fairly sure. I really think it might be worth getting some proffesional advice on this issue.

Hi tigerfeet , thanks again..He,s is joint owner, on all 3 properties, but he wants to just go to spain when he wants, and return, unannounced, and pay no bills here.
As I say, he,s cute,he,s playing mind games, BUT, she has us as back up,and 2 can play them games.
All she wants, is for him to GO , she,s willing to pay all the bills, his half of mortgage, whatever, it takes to keep her house, which he re-mortgaged up to the hilt to pay for his spanish dream.
She wants nothing to do with spain, just her portion of the paid for property, when/if sold.
He, as usual, wants it all.
We had thought of changing the locks when he,s away, but I think, it would be illegal, and we won,t stoop to his level.
Although, we may try it, just to see what he does.;;;just say she lost her keys.
I have advised her to go for a free session with a solicitor for advice, but to be honest, I don,t think it,s in thier interests, to give advice on anything that does not mean work for them.
I always stay well away from solicitors if possible,no disrespect to them.
He,s devious, and I want him to trip himself up, he,s been ducking/diving all his life, he admits it, is proud of it,but daughter wants no more of it, although she was as culpable as him at the time,she admits it now.

joe134

Ineedaname wrote: »

If any of 'his' DDs are for the house she lives in then all she has to do is cancel them before removing her name from the account. Then she'll need to contact the relevant utility provider and tell them she is now living alone in the house and responsible for the bills.

Is she going to change the locks on the house so he is unable to 'come and go as he pleases' and use her home as a free hotel? If she is going to be paying the mortgage and all the bills on the house then I'd say he has no right to keys to the front door. If she wants to let him stay at any time then he should respect her and let her know when he expects to arrive and how long he plans to stay!

Hi Inan, thanks again, she,s coming today, and I will get a bank statement from her, and see what,s what.
He needs her , even though her credit rating is now shot, his never existed, and he, played on that. It,s a case of being one step ahead of him, and hope he gets fed up, and stays away,but, that,s a long shot. He,s burning his bridges,and people like him seem to get by.
I will get her to stop all DD,s and transfer them in her name to her new coop bank a/c. he won,t object to that, BUT, he needs proof of address, and they are IT.
I know that from experience, even now, I open and close bank a/cs regularly, put money in and out of wifes a/cs, for tax reasons, all legal, and even now, with top notch credit rating, and top notch credit cards, we still have problems with ID and have to send bills as proof of it and address.
That,s why he needs to come and go. His name is definitely off the electoral role next time round , IF, he,s not there that night.
BUT, other than selling the house, his name will always be linked to it, and to her via it.
Hopefully, she will be able to go down that route in the near future, but, it,s one day at a time, now. I really appreciate your advice, I,ve no doubt there are people reading this that may think, she,s lucky, and she is, reading some of others woes;
My wifes adage, as long as you have health, you have wealth; :beer:
PS, because we are telling him she is applying for BR,to keep him on his toes, he,s all of a sudden wanting to be amenable, but wants to sell everything, want,s her name off the santander one only, because he needs an English one for his wheeling and dealing via spain.
Can anyone tell me the Fees for applying to go BR, so I,m genned up;I,ve read it on here, but cannot find it.
It,s still may come to it yet, but hope not;

worked_hard_for_the_money

Hi ... you are truly a fabulous father and it's so nice to read about families helping each other out.
Regarding removing his name from joint accounts - I'm sure I read a post somewhere that it depends on whose name is the 'lead' or 'first' name stated on the joint account when it was opened; ie - if your daughter is the lead name then it should be a ' paper exercise ' if not then I think a form needs to be completed with both signatures which may prove difficult in her circumstances.
If her ex has ever been abusive and threatened her then she should take advice on the injunction route via a solicitor.
Good luck and keep us all posted .... x

joe134

worked_hard_for_the_money wrote: »

Hi ... you are truly a fabulous father and it's so nice to read about families helping each other out.
Regarding removing his name from joint accounts - I'm sure I read a post somewhere that it depends on whose name is the 'lead' or 'first' name stated on the joint account when it was opened; ie - if your daughter is the lead name then it should be a ' paper exercise ' if not then I think a form needs to be completed with both signatures which may prove difficult in her circumstances.
If her ex has ever been abusive and threatened her then she should take advice on the injunction route via a solicitor.
Good luck and keep us all posted .... x

Hi Thanks, nice to know people are there, there must be numerous others, in my Daughters situation.
I,m looking into the Account situation, only found out yesterday that the 2 spanish accounts both have credit cards,as yet, unused, so getting her name removed from them is priority, as he,s off to spain for a couple of months, in a few weeks time, but daughters, flying out at same time, he,s driving.She,s going to the Banks to remove her name from them, playing ball with him until she,s in the clear, then, play him at his own game.I would imagine, her name would be first A.c holder, as he needed her good credit rating, at the time time to get them????will check.
He does some work here, then does some there.
He,s just applied for heating allowance at 62,(lot older than daughter) even though he,s paid no stamps/tax,and he can back date it, March is cut off date.
As I say, he,s cute.Daughter won,t get any of that, although it,s for her / thier house he,s claiming it from.and she will be paying all the bills whilst he,s away.
Will keep you posted, you are all great, it,s good to be able to just talk about it to someone about it, without fear of the friends/neighbours et.al knowing.She unburdens it on me, and I unburden it on here.
A problem shared, is a problem halved, as the saying goes, and it,s true.:A

Ineedaname

If he gets Pension Credit and is applying for the Warm Home Discount then that gets deducted direct from the bill so your daughter will actually benefit and not him. That's the only one I'm aware of with a cut of date of March as that's when it's 'paid'.

However, if it's the Winter Fuel Payment then yes, he'll get that paid to him and she won't see it. But then she wouldn't be entitled to it anyway as she's too young. As they're not living together full time then I don't see she's really losing out on this one so much. She might like to enquire of the DWP whether he should be entitled though, as he spends so much time living in Spain...

taffy056

Joe, after reading all this thread, can I just nominate you for a knighthood, honestly you are the dad I wished I had when growing up, hope your daughter and you manage to get everything sorted.

joe134

Ineedaname wrote: »

If he gets Pension Credit and is applying for the Warm Home Discount then that gets deducted direct from the bill so your daughter will actually benefit and not him. That's the only one I'm aware of with a cut of date of March as that's when it's 'paid'.

However, if it's the Winter Fuel Payment then yes, he'll get that paid to him and she won't see it. But then she wouldn't be entitled to it anyway as she's too young. As they're not living together full time then I don't see she's really losing out on this one so much. She might like to enquire of the DWP whether he should be entitled though, as he spends so much time living in Spain...

Hi Inan, thanks, my daughter is really not bothered about getting any of his Winter Fuel Payment, BUT neither of us can fathom out if he really is entitled to it.Not because he spends so much time in spain, but he is self employed, working, paying no tax or stamp, and not claiming any benefits to her or our knowledge.We told him ,if he was eligible for it,when he was 60, it would automatically be paid to him, no need to claim,same as us. He told us that he didn,t get it, and had not heard from Dwp, he wouldn,t apply, because of the "can of worms it might open", Taxman .etc.
Nothings changed since, so how come he,s claiming now.
I,ve read the eligibility criteria, and unless just being 60 automatically entitles you to it,when working, then he is either, claiming falseley, or he,s been getting it all along, and not told the daughter.,and wants it when he does move to Spain. as well.?
We have always believed he was claiming benefits+ working.and using a different bank a/c for it to be paid into, or why did he not auto get it at 60?? Why apply now??
Something fishy, but not unusual, for him.:beer:

joe134

taffy056 wrote: »

Joe, after reading all this thread, can I just nominate you for a knighthood, honestly you are the dad I wished I had when growing up, hope your daughter and you manage to get everything sorted.

Thanks taffy,very kind, I will settle for my daughter just being happy, and debt free, don,t fancy Sir Joe.:rotfl: