Savings when seperating- scared I will lose it all

RAS

Please set up proper mail re-direction as a matter of urgency.

zzzLazyDaisy

At the risk of stating the obvious, even if you have given notice on the tenancy of the old house, it is still your responsibility to ensure that you do in fact vacate the house on the due date (unless he has formally agreed a new tenancy with the landlord in his name). So if he does nothing and just stays there, refusing to move out, it will be your problem. Same with all the furniture/belongings etc. You are responsible for moving out by the due date. On that basis I would be taking steps to sort out the change of tenancy into his name well ahead of the due date (if that is the intention). In fact there is no reason why you can't approach the landlord about this now. Is your ex in a financial position to pass the credit checks/take over the tenancy? If not, what is the likelihood of him moving out when required?

teawithmilk

husband is NOT in a financial position to take on tenancy- I know from experience how hard it is: you have to have the deposit, they do credit checks and ID checks and you have to pay the tenancy application fee.

He has a terrible credit history (on DMP) and he is not on electoral register etc...because I have handled all the "grown up" stuff over the last 10 years he has had an easy life- and just let me get on with anything that involved any paperwork or hassle while he just cruised along while I organised around him..... he hasnt got a clue how difficult and stressful it is messing around providing documentation for a tenancy application. Which is why I thought, if he cooperated with me I would be kind and just continue with the lease for him but Im being advised by everyone that this is a BAD idea- and also I would then be lumbered with dealing with the letting agency still- I just want a clean break and be able to start again, not be tied to old tenancies in houses that I dont even live in.

Really HE should be thinking about his options, and if had bothered his backside to consult a solicitor Im sure they would be advising him that....but as per usual he has his head stuck in the sand.

I need to formally inform him that he needs to get organised asap which I will do on Monday (after my DDs birthday is over and done with)

Errata

Looks like his options are homelessness or sit tight or sofa surfing or move in with a friend or a relative.

zzzLazyDaisy

In that case, my question remains the same - what will you do if he sits on his backside and does nothing at all about moving out when the tenancy ends? You need to be on the ball and ready with a removal van to get all the stuff out and hand the keys back on the due date. Personally I would give him a date at least a week before the tenancy actually ends, and work towards that date. Actually that's not true - personally, I would have him out much earlier than that!

I don't understand why he has never been on the electoral roll though - householders get an annual letter to either confirm the details of all adults over 18 living in the house, or confirm that there has been no change since the previous year. As you were the householder that would have been your responsibility.

teawithmilk

He doesnt have any friends- that sounds harsh but true. He knows no one where we live apart from my family and his work colleagues (and I doubt he is pals with any of them unless he has been leading a secret life)

So he needs to be proactive, of course I know this but he has his head buried in the sand. If it were me (a natural born worrier!) I would be running round with lists of adddresses, contacting landlords, talking to letting agencies etc but he is not me and he takes the mickey out of me and puts me down for being a bit of a nervous worrier- his problem is that because I have looked after him and managed everything he hasn't a clue about how HARD it actually is- to him it has all just happened by magic for him up until now- like having his own personal assistant!

So my worst case scenario is that it gets to the date when I should give vacant possession and he is still there with all his stuff. I need to plan for this. Sigh. It would be much much easier (if he wanted to stay in the house) for him to just be reasonable with me to give us both time to get sorted.

teawithmilk

I didnt realise it was my responsibility to put him on the electoral register. I'll know that for future reference (well I will be away from him anyway!)

Errata

What would be the point of him contacting landlords and letting agenciers when he can't pass credit checks and has no money for deposit and rent

zzzLazyDaisy

teawithmilk wrote: »

So my worst case scenario is that it gets to the date when I should give vacant possession and he is still there with all his stuff. I need to plan for this. Sigh. It would be much much easier (if he wanted to stay in the house) for him to just be reasonable with me to give us both time to get sorted.

From what you say, even if he does want to stay in the house, there is a good chance that the landlord won't accept him as a tenant, since he won't pass the credit checks. Also, you said that you want to ensure that you get your bond back, and there is probably zero chance of that if he takes over the tenancy.

To be honest, from his point of view, I can see why he isn't being proactive and doesn't feel the need to make any alternative arrangements. After all, his experience tells him that if he does nothing, you will step in and organise everything so he doesn't have to. Either you will continue paying the bills and maintaining a roof over his head as you always have done, OR you will organise somewhere for him to move to, probably pay the bond and the first months rent to see him settled, and act as guarantor for him... so he can then default on the rent and leave you to bail him out.....

teawithmilk

Which leaves me "back at square one" (as my dear old dad would have said) I now either have to kick him out somehow and make him homeless which wil make him even more resentful and awkward and he might even go off the rails and jack in his job and go back to Scotland and try and take DD with him (all the things I was trying to avoid) OR continue to be responsible for him somehow........


and also another thing that I hadnt thought of was that at the moment (or up until I left 2 weeks ago) he was paying half of the bills...but I can't afford to keep subsidising 50% of the bills on the house where he is living...as of September I have to use all my own cash for my own living costs...and if I extended the lease on his behalf would he get a shock when he realised how much it ACTUALLY costs to run a household, even a household of one adult.