Split from boyfriend

Shineyhappy

Katiet wrote: »

We bought the house together... first time buyers. I have put slightly more money in them him. So far I have stayed put and he has moved out.
I think he has tricked me really, he is saying he could afford to keep the house and that I couldn't. But if I let him have it, then he has made money out of me and owns a house that he never would have been able to get on his own because he had adverse credit.
I just don't want him to "win" and end up gaining out of my misery.

This sounds like what happened to me. Except he was forced to leave by the police.

I earnt less than my ex and had to buy a car to get to work (he used to drop me off) but I managed to keep my home. I changed the mortgage to interest only and borrowed 10k from the bank and 5k from my mum to buy him out. I couldnt get the mortgage on my own so my mum is a co owner but has no financial interest in the property meaning she is liable if I dont pay the mortgage but wont make any money from it. Almost like a guarentor. Mums are great :T

It is a 2 bed flat so I got a lodger and picked up tips from the DFW and OS boards.

My ex was a bully and he bullied me into thinking I was incapable of keeping my home or managing on my own, he was wrong.

As he isnt there get all the estate agents you can round and get loads of valuations, select the lowest three and then offer him the average to buy him out.

Good luck and a big hug!

Imelda

The same thing happened to me, we lived together for 7 weeks and as he had paid all the deposit he kicked me out!
Firstly, I don't think you can change the locks, his name is on the mortgage and deeds and therefore he is entitled to enter the house. You really don't want to give someone more ammo to turn nasty.
Secondly, as much as you want revenge now, keep your cool. It will be best all round if you stay amicable and negotiate fair terms, I was too emotional and ended up with practically nothing.

Caz312

Katiet wrote: »

We bought the house together... first time buyers. I have put slightly more money in them him. So far I have stayed put and he has moved out.
I think he has tricked me really, he is saying he could afford to keep the house and that I couldn't. But if I let him have it, then he has made money out of me and owns a house that he never would have been able to get on his own because he had adverse credit.
I just don't want him to "win" and end up gaining out of my misery.

He may be thinking he can afford to keep the house based on the current mortgage payments but he would need to have the mortgage changed into his name only which would look at his income and credit rating, he would also probably be looking to increase the mortgage to buy out your interest so, even if he can get a mortgage in his own right, it will be costing him more than he thinks

jordan_gibson

Similar thing happened to me. Had house with partner and young lad. Found out she was cheating so went our seperate ways.

First thing to remember is that he is the !!!!*r and you are in the right. I honestly can not stand people who do not know what commitment is and can't keep it in their trousers!!

Anyway, If you have both put 'roughly' the same amount of money in I would personally sell the house (if you can not afford to run it yourself and buy him out) and then move on.

Honestly, I don't know your full story but you honestly deserve better so get that waste of space out of your life and start again with someone who deserves you.

ps..I would strongly recommend seeing a Solicitor first. Most will give the first hour or half hour free as a consultation and you will know after this where you stand. Don't let your ex bully you into anything...make sure you get some good advice first.

Hope this helps.

Katiet_2

A big thank you to everyone who has spoken up on the subject.
It's really nice to find support in this way.

Snow_White_5

Imelda wrote: »

. You really don't want to give someone more ammo to turn nasty. Secondly, as much as you want revenge now, keep your cool. It will be best all round if you stay amicable and negotiate fair terms, I was too emotional and ended up with practically nothing.

Keep your cool - that's the best advice. 'Revenge is a dish best served cold' - a cliche, but true!

Good luck, whatever you decide to do.