Access to my Home?

tayforth

Have either of you changed the locks on the houses in which you're currently living?

monty-doggy

2520years wrote: »

Thanks everyone for your help and advice! I'll look into an occupation order if there are further problems.

When my wife left the marital home, she kept letting herself In. I went and got an order it's either occupation or possession I can't remember. It doesn't mean it's not her house as in property, but she has to abide by it being your home and she can't simply come and go.

fluffnutter

2520years wrote: »

Thanks everyone for your help and advice! I'll look into an occupation order if there are further problems.

Which will no doubt solve your problems. I think it's better to talk first though. Always better to try to resolve thing between you rather than have to resort to the law. Perhaps it's time to divorce.

2520years

tayforth wrote: »

Have either of you changed the locks on the houses in which you're currently living?

She couldn't get in so I'm fine for now.

I'm worried about her mental health to be honest, so going forward I'm just as worried about what else she might do, or whether she could somehow get a locksmith to break the door down and change the locks. She's gone off the deep end recently.

pinkshoes

2520years wrote: »

The mortgage company know I'm there.


Does anyone know - if we do get divorced, and I get the house I'm in, how does it work?

I'm on a low wage and wouldn't qualify for the mortgage if I was applying now.

I'm wondering if it would have to be sold before the divorce goes through, or your ex would have to buy you out.

Would it not be wise to put it on the market now? (Or is the mortgage cheaper than rent?)

2520years

fluffnutter wrote: »

Can you afford the mortgage each month? Is she still paying half?

It's an interest-only mortgage so it's low at the moment. I've been paying it since I moved in.

2520years

pinkshoes wrote: »

I'm wondering if it would have to be sold before the divorce goes through, or your ex would have to buy you out.

Would it not be wise to put it on the market now? (Or is the mortgage cheaper than rent?)

We're probably in slight negative equity, but I've not got any cash to pay all the fees anyway.

I'd like to stay - because the mortgage £170/month and the lowest rent in our area is £425/month!

Yorkie1

You are not allowed to change the locks without giving her a key - as she is a joint owner she is legally entitled to access the property and you are not allowed to lock her out, unless there is a court order in force.

2520years

Yorkie1 wrote: »

You are not allowed to change the locks without giving her a key - as she is a joint owner she is legally entitled to access the property and you are not allowed to lock her out, unless there is a court order in force.

The good thing about that is she can't lock me out. I was worried about her convincing a locksmith to change the locks.

kingfisherblue

My ex is not allowed to enter my home, even though it is the family home from when we were married - a judge put a court order in place before we were divorced. I have been allowed to change the locks and not give him any keys. He is still on the mortgage, although he doesn't pay anything towards it.

However, before this happened, my ex was allowed legally to enter my home as it is a joint mortgage.

You and your wife are joint owners of the property in which you live, and you don't have a court order in place, so therefore she can still enter the house. Neither of you should change any locks without giving the other one a key.