Help please

steven--1_2

Hello everybody im wondering if some one can help with a problem i am in.
I currently live at home with my dad, but in 2010 i had to buy the property as my dad couldnt get a mortage. Now i have been with my partner for nearly three years and we would like to get a house of our own but what do i do with the current property i own? I cannot sell it as my dad would have nowhere to go, would me and my partner be able to get a seperate mortage? Or would this mortage affect us getting one?

Also in 2010 my dad put a bill in my name and it didnt get paid he didnt tell me of this and i have just found out it resulted in a ccj. What can i do about this? Because i was unaware this was even in my name.
This is the only adverse credit i have i pay every bill on time and never miss a payment.
My partner has good credit but we are both on low incomes.
Thank you

tbs624

steven--1 wrote: »

Hello everybody im wondering if some one can help with a problem i am in.
I currently live at home with my dad, but in 2010 i had to buy the property as my dad couldnt get a mortage. Now i have been with my partner for nearly three years and we would like to get a house of our own but what do i do with the current property i own? I cannot sell it as my dad would have nowhere to go, would me and my partner be able to get a seperate mortage? Or would this mortage affect us getting one?

Also in 2010 my dad put a bill in my name and it didnt get paid he didnt tell me of this and i have just found out it resulted in a ccj. What can i do about this? Because i was unaware this was even in my name.
This is the only adverse credit i have i pay every bill on time and never miss a payment.
My partner has good credit but we are both on low incomes.
Thank you

Is your father in paid employment? What age is he?Is he in good health?
Have you/he explored other options available to him?

How did he manage to get a bill put in your name without your knowledge? How did things get to CCJ level without you being alerted - there is usually much correspondence before things reach the court hearing stage.

You don't say how much equity you have in this property and if it was bought under RTA/RTB?

steven--1_2

My father is nearly 57 he is unemployed and not in the best of health. I cant stay there and my dad wont move out.

He managed to put it in my name without my knowledge, as i work from 7:30 - 5.
He was hiding the letters from me and destroying them so i did not have a clue as there was anything like this going on.
Since i have found out he has told the company that it wasnt my bill and they have transfered the debt to him. But i am still left with this ccj through no actions of my own.

grogsy

You should be able to discuss the CCJ with the company and arrange for a notice of correction to be added to your file however it will remain on your credit file

RAS

Hi

Call Step change or National Debtline for advice on how to deal with the CCJ. You may be able to get this overturned if you can persuade the company to co-operate.

With respect to the property, you need to answer tsb's questions.

moneyistooshorttomention

If he's the sort of person that would do something like that to anyone - ie put a bill in their name - then you would owe him nothing in terms of "looking out for him" even if he were a stranger to you.

But for him to do that to his own son beggars belief - and quite definitely means you owe him nothing x 10.

Well that at least simplifies matters - as you are dealing with someone like that, rather than a "loving parent".

So I don't see why you "couldn't sell it" - as it belongs to you and it will be your name on the mortgage and your name down as owner of the property with the Land Registry. The one thing is the concern raised by another poster - as to whether it was formerly a Council property and you have bought it on a "right to buy" basis - which would complicate matters.


DO protect yourself from him having any further chances to "attach YOUR name" to any of HIS expenses. By the sound of it you cant trust him - even though he is your father and so you "should" be able to.

steven--1_2

No it was not a council property
So i could get this ccj removed? Would i just have to phone the company or would i also have to phone some one else?

moneyistooshorttomention

If it wasn't a Council property - then its yours clear and free to sell as you choose.

I would think it would be a bad idea for you to move out - and why should you (as you are the owner of it). He is the one that has to move out and it would be better for him to do so sooner rather than later - as his presence there would put off buyers of it (because they would think "sitting tenant" = problem).

I wouldn't be this "harsh" IF he had been a "loving dad" - but, with having treated you and your finances with such disrespect then its back to "you owe him nothing".

If he has treated his own son this way - then I wonder how he has treated other people. If the two of you remain under the same roof then it will tend to "tar you with his brush" and people might think you are the same sort of person (same family, same address = there must be a "relationship" there between them and they get on okay and you will be judged as someone who will act the same way). Another reason to ensure you aren't under the same roof = he moves out.

RAS

Tell dad to move out and bring your partner in. He has no legal right to live there is he not on the deeds. Even if he is paying rent, he would be considered a lodger not a tenant.

Speak to National Debtline about whether you can overturn the CCJ.

martinsurrey

RAS wrote: »

Tell dad to move out and bring your partner in. He has no legal right to live there is he not on the deeds. Even if he is paying rent, he would be considered a lodger not a tenant.

Speak to National Debtline about whether you can overturn the CCJ.

I think you might be treading on delicate ground here, we need more info.

Did your farther own the house before you bought it (so you bought it from him)?

If it was his house, and it was bought by the son, with the understanding that he could live in it, then he has rights, he may even have security of tenure, and it would take a court case to decide the outcome (and an expensive one at that).

If it was his house, did you declare that the vendor would be living there post completion to the mortgage company? I doubt it, as they know they might not be able to sell it as vacant if they reposes.

If this was an open market purchase from a stranger, then ignore the above.

steven--1_2

No first it was my nan's when we lived there, then when she passed away we had to buy it so my dad could not get a mortage so i had to get one in 2010.
I cant see telling my dad to move out being a good idea the whole family will probably hate me.
I feel trapped and i dont really want to rent as i would like a place i can call my own.