Family member living in property, supposed to be buying it, 18m on, going nowhere?!

A_little_stressed!!

Also I live 6hrs away, so this has added to situation carrying on, and a sit down / face to face discussion hasn't been possible.

A_little_stressed!!

Jobseeeker wrote: »

OP, are you in Scotland or somewhere else in the UK as that will make a big difference to the squatters rights.

Why have these people been refused a mortgage? Do you think they could just be saying that now they realise they can live there rent/mortgage free?

Too many credit cards, fancy car on finance, even the kitchen & bathroom is probably finance, salary not enough to lend on (whatever the ratio is 4x etc)

I know of the 2nd being turned down as I spoke to mortgage company as there were some questions to do with valuation, something happened after and mortgage was turned down, but they still rang me out of courtesy to do with a problem with land checks or something, which was never a problem, just a mistake somewhere, but they also confirmed mortgage had fallen through. So i know this isn't being lied about.

BitterAndTwisted

Take legal advice immediately! It sounds like you are totally scuppered, both legally and where the family relationships are concerned.

A_little_stressed!!

Oh, and another good one from someone in their family, apparently I was offered £20k below the asking price, with the £20k to follow over 2yrs, as they could have easily got the lower mortgage. And if i hadn't been so greedy wanting full whack I wouldn't have this problem & I would have at least had something! Sorry but !!!!!!?!

paddy's_mum

A_little_stressed!! wrote: »

I will look for advice on House buying etc forum

Not to put too fine a point on it ^^^ is outrageously blinkered and unbelievably foolish!

You seem not to have grasped that you are in a very dangerous position and stand to lose your property completely to these very clever, sly cheats. :eek:

You need competent legal advice .. yesterday! You really cannot afford not to do so. However well-meaning mse members are and however generously they reply, it is you who is in a trap and only you who can save yourself.

A_little_stressed!!

Ok, I have a plan...
I send a letter/e-mail stating the facts, and how I feel I have been more than reasonable, and I am now finding myself heading towards financial difficulties if this continues.

Part 1 now - I request £100wk rent (rentable value before work)
I give a deadline of 1st Feb for sale to be complete (if it's at least with solicitors for searches etc then i will give some time extra)
If it's not done by that date, I will have no choice but to put up for sale.

Part 2 - Jan - I'll get all the legal info in Jan, so I have facts etc before I actually do anything.
If/when it sells, whatever it sells for over what BIL was going to pay, i'll deduct the £100wk since they moved in, and any other costs, and if there is anything left, give them that to cover the cost of works they did?

A_little_stressed!!

paddy's_mum wrote: »

Not to put too fine a point on it ^^^ is outrageously blinkered and unbelievably foolish!

You seem not to have grasped that you are in a very dangerous position and stand to lose your property completely to these very clever, sly cheats. :eek:

You need competent legal advice .. yesterday! You really cannot afford not to do so. However well-meaning mse members are and however generously they reply, it is you who is in a trap and only you who can save yourself.

Sorry, I didn't mean leave it in MSE hands! A previous poster said to post there for advice, I would, and get official legal advice, but use mse support through the process, as I find in any situation a little group of 'friends' giving feedback on the process very helpful.

I wouldn't take the mse information as 100% but as help. I hope that is clearer!

A_little_stressed!!

BitterAndTwisted wrote: »

Take legal advice immediately! It sounds like you are totally scuppered, both legally and where the family relationships are concerned.

Funnily enough I have no relationship with OHs family, they have never included me as part of the family, despite 10+yrs & 3 children with OH!
The BIL has been my only 'friend' in the family, and always included me & made me feel better in situations where I had obviously been left out, or made to feel an outsider.
I have always had a close relationship with him, almost like my own brother, as i have know him since early teens. I think this is the reason I let this get out of control, because of the years of history.
There is no way I would have let the other BIL or SIL ever have got close to this situation, I have (actually had) alot of trust, and care for the well being of him, thats why I was helping out.

I find it sad now that all but a tiny bit of that 'sisterly' feeling has gone, and now I'm like 'screw you!'

BitterAndTwisted

If you don't get proper legal advice BEFORE you put this offer to them you need your had examined!

The formal eviction process can take six months or more if the occupants are not willing to leave of their own accord. And I can guarantee that these people will not. Not after having sunk tens of thousands of their own money into the property.

You could find yourself repossessing it with tens of thousands of pound's-worth of damage done to it. No rent coming in. And practically unsellable. Relationship with OH ruined beyond repair.

I'm not sure you appreciate quite how dire your situation is......

paddy's_mum

A_little_stressed!! wrote: »

I am now finding myself heading towards financial difficulties


put up for sale.



I'll get all the legal info in Jan, so I have facts

Oh, I could shake you, you silly girl!

You are already in financial difficulties since your 'in laws' could almost certainly claim that they own part of your flat! Can you afford a long legal battle to dispute it?

It may not be yours to sell since your 'in laws' could almost certainly claim that they own part of your flat.

You cannot afford to wait until January to seek legal advice. Every day that they remain and every day that you blunder along believing that you know the situation and all its ramifications, they just become more entrenched. They could actually argue that your silence up till now means that you yourself recognised that they have part ownership.

You are in danger. I repeat - you CANNOT afford to delay seeking good legal advice.

I don't mean to be offensive but if you were one of my daughters, I'd hope that someone would shout a bit of sense into her. I hope it all works out for you.