mortgage deeds feeling safe

daska

animallover123 wrote: »

I don't know what I'm going to do if I did change my mind could I ring up mortgage people to remove me?

Maybe, maybe not, you've now signed a contract. AFAIK the only get outs are any clauses in the contract and duress. From what you've said the latter might well apply which is why I suggested it. The longer you leave it the less change you have of claiming that.

Mr_Toad

Nobody, as far as I can see, has mentioned that unmarried couples have far, far fewer legal rights than a married couple.

There is no such thing in English law as a common law wife.

If you split up he will leave with all his property and you will leave with all yours. Anything bought jointly will be divided and that division will depend on how much each contributed and unless you have an acceptable audit trail from your bank account this can be nigh on impossible to prove.

Even if you go on the mortgage if you split up you will only get what you put in so if your name is on the mortgage to make any claim you will have to prove you contributed and how much.

His biggest control or insurance is the fact that you are not married.

If your name is on the mortgage the bank will not take you off it if you change your mind. Think about it. Why would they? They have two people they can chase for the debt should the need arise, why would they even consider reducing that to one person on a whim and a phone call.

When my wife and me split we were on a joint mortgage, we both earn enough to each buy our own house. She was going to come off the mortgage and buy her own place but it wasn't going to happen.

The only way to sort it out was to effectively pay off the mortgage and take out two new mortgages which is what we did.

Have a read of the following:

http://www.direct.gov.uk/en/Governmentcitizensandrights/Yourrightsandresponsibilities/DG_10026937

http://www.bbc.co.uk/news/uk-12354670

http://www.uknetguide.co.uk/Lifestyle_and_Leisure/Article/Rights_for_Unmarried_Couples-100230.html

You face an uphill struggle to protect yourself and whatever you do because you are unmarried you will not get more out than you put in.

He's in control, has all the protection, is abusive.

You should get out now not make yourself even more reliant on him.

Mr_Toad

tea_lover wrote: »

But the papers are the only bit that counts if things do go wrong. There's no such thing as 'basically married', or common law marriage or anything like that - you're either married or you're not. Tbh it sounds like you would be so much better off just running away as fast as you can.

Sorry tea lover I missed your post. Absolutely spot on.