Need advice please re. my belongings

comeandgo

I would imagine he would also be entitled to half a share of your savings. Get a solicitor especially where there is property involved.

linclass

Thanks all, I'll attempt to answer in order.

Caroline_a, you have a VERY GOOD point there - *living until death* and you're right. Thing is, I guess I'm holding on to the idea that *One Day* I'll get to live in the house again ... I love that house, and haven't come across anything I'd sell it for.

Ras - it's purchased outright, no mortgage, both names on deeds. England.

Comeandgo - Over the years, he has paid all bills, general housekeeping/food etc and I've bought all furniture, soft furnishings etc. He's already agreed I can take (on agreement) half of all furnishings, but I'm not in a position to take anything at present - me and new partner are renting furnished (from relative) which is fine, but to be honest, I am hugely worried about my savings. I'm not in a position to purchase anything outright, I retired early therefore no great pension coming in. I'm not going into new partners situation here, but he is paying almost everything at the moment...

LL

RAS

linclass wrote: »

Ras - it's purchased outright, no mortgage, both names on deeds. England.

So is it a joint tenancy or Tenants in Common?

Makes a big difference as to whether you get the property after he dies.

linclass

RAS wrote: »

So is it a joint tenancy or Tenants in Common?

Makes a big difference as to whether you get the property after he dies.

Might be cos it's Monday, but you've lost me, Ras, lol ... What does Tenants in common mean please? My guess is Joint Tennancy...

LL

newcook

Can you hold on until he goes in for his op? then you will have a couple of days to take what you need without being rushed. However, from the sounds of it you will have to get a locksmith to change the locks and probably drop a key at the hospital for him.

BitterAndTwisted

Does your husband know about your savings? There are ways and means of not having them visible, as the poster TeaWithMilk managed to buy a house with hers when she separated.

What would I do? Have a locksmith attend and remove everything you need for the moment. Accept that once you have done so you may not be able to take the furniture he's agreed to until you tell him that you've changed your mind about him remaining in the property until his death. I think you're absolutely daft to have agreed this. Have you reminded him that while the house is jointly-owned you are fully entitled to demand 50% of the market rent to cover the share of it that he doesn't own?

BitterAndTwisted

linclass wrote: »

Might be cos it's Monday, but you've lost me, Ras, lol ... What does Tenants in common mean please? My guess is Joint Tennancy...

Most common form of ownership is joint-tenants where if one party dies the surviving one automatically inherits their share. Tenants-in-common is where the deceased can leave their share to the cat's home, a child/children or anyone else they choose in their will. If no will then the rules on intestacy applies. Quite a few people have found themselves at the wrong end of a forced sale like this.....

Caroline_a

linclass wrote: »

Thanks all, I'll attempt to answer in order.

Caroline_a, you have a VERY GOOD point there - *living until death* and you're right. Thing is, I guess I'm holding on to the idea that *One Day* I'll get to live in the house again ... I love that house, and haven't come across anything I'd sell it for.

Ras - it's purchased outright, no mortgage, both names on deeds. England.

Comeandgo - Over the years, he has paid all bills, general housekeeping/food etc and I've bought all furniture, soft furnishings etc. He's already agreed I can take (on agreement) half of all furnishings, but I'm not in a position to take anything at present - me and new partner are renting furnished (from relative) which is fine, but to be honest, I am hugely worried about my savings. I'm not in a position to purchase anything outright, I retired early therefore no great pension coming in. I'm not going into new partners situation here, but he is paying almost everything at the moment...

LL

You say you love that house, but you probably won't ever get to live in it again... also remember that so long as you allow your husband to live in it he could ensure that it's worthless in a few years. My ex did this with his botched diy and compulsive hoarding, and by the time that the court ordered it to be sold (2 years, because there were child residency issues) the house was worth a third less than the adjacent identical house, without our garage, extension and what had been stylish fittings!

You probably won't agree with this now, but it's only a house. It is no longer your home. Let it go and move on.. I learnt a long time ago that 'things' really aren't as important as we think they are - or you would still be living there with your husband!

RAS

linclass wrote: »

Might be cos it's Monday, but you've lost me, Ras, lol ... What does Tenants in common mean please? My guess is Joint Tennancy...

LL

It costs £3 to download your deed from the Land registry to make sure.

Be aware that it is possible to sever a joint tenancy ( make it tenants in common) and there was one case here where there had been no contact between a separated couple for 9 years and the occupant got court permisison to sell a property held as a joint tenancy.

We did not hear the full story but the departed partner had not responded to attempts to communicate or adverts in the UK.

linclass

RAS wrote: »

It costs £3 to download your deed from the Land registry to make sure.

Be aware that it is possible to sever a joint tenancy (make it tenants in common) and there was one case here where there had been no contact between a separated couple for 9 years and the occupant got court permisison to sell a property held as a joint tenancy.

We did not hear the full story but the departed partner had not responded to attempts to communicate or adverts in the UK.

Many thanks for this Ras, I'be been *reading up* since learning differences of tennancy, just received the return call from Building Soc (They hold the deeds only) she's given me a Title Number that I should give to Land Registry to obtain the info. Was looking on their website though, and they charge greatly in excess of £3:00 - - unless I was reading the wrong thing!!

Caroline_a wrote: »

....You probably won't agree with this now, but it's only a house. It is no longer your home. Let it go and move on.. I learnt a long time ago that 'things' really aren't as important as we think they are - or you would still be living there with your husband!

Thanks Caroline_a, I'll take his on board .. I know one shouldn't dwell on the past, but it really is/was my ultimate dream house...

LL