Is he entiled to anything?

jammyo

HI,

I bought a house in 2004 for £53k Deposit of £3k.

Property was remortgage in 2006 and currently there is £70k left on the mortgage.

My now ex boyfriend came on the mortgage in Nov 2012 and contributed to half of the mortgage payments from that point via a bank transfer to my own account which I then paid as a DD to the mortgage company.

In june 2013 he walked out and had agreed to come off the mortgage and deeds without any transfer of payment as the house is in Negitive equity according to Natwest but my mortggae company are more than happy to have me as sole owner as i proved I used to pay it and my income has increased etc.

He has now decided he will not agree to the transfer and wants £2k for work he did on the house and contributions toward house hold goods.

He has not paid a penny since 01/06/2013 and since he has left I have had a £4k kitchen fitted as well as keep on top of all the bills and mortgage.

I have no plans on selling up but I am aware he is saving to buy a place with his new GF. (reason he left)

There was money ina joint account that was £5k gift from my Dad to me and £5k left from my personal loan. ALl he paid was £600 a month towards the household including food etc.

I feel his demand is rediculous as to take me to court to even try and get a penny form me will be more that the £2k he is asking.

If for instance in 22 years and the mortgage is clear would he be entitled to half? My impression was as he stopped paying he is entiltled any mortgage payments he has not made would be dedcuted from any equity if that was the case.

I am waiting to hear form his leagle to see what there point are but this is just what his text demands were.

Phew that was long.....

Thanks for reading.

Wh05apk

Possibly, if he can show he has contributed, but really you need to seek proper legal advice, either an initial chat with a solicitor or through CAB.

ValHaller

jammyo wrote: »

I feel his demand is rediculous as to take me to court to even try and get a penny form me will be more that the £2k he is asking.

Well, no idea what is reasonable here, because we don't know how much work he has done nor what household goods he has contributed towards.

Suppose he did 10 hours work a week for 30 weeks. If that is valued at £10/hr, that is £3000. and say you bought £3000 of stuff which you retain, that is another £1500.

Indeed he could come here and tell us that you had him in while some difficult DIY was being done and then you ditched him once the job was a goodun. Not saying that you did, just trying to make the point that there are a lot of scenarios which could come under your sorry tale which would make £2000 look quite reasonable.

On the other hand, he could have lounged at home all day drinking cider and gambling until you got fed up with him.

DigForVictory

He may have a fraction of a case.
Get to a solicitor with reasonable speed.

tabbyfish

Hi, this is jam yo on my proper log in.

Thanks for your replies.

The work he did was nothing more than general DIY as much as I did general cleaning and cooking etc. tiled the bath room and put up a lean to. He lived here and the materials were purchased on an interest free CC of his which was balance transferred to one of mine after his deal ran out and I am now paying for.
He paid 10 moths @ £8.50 as min payment.

Surely he can try and bill me for labour? If that is the case I will do the same for helping out!

We were going there ivf and planned to move etc so any work was for us both. The house had not gained any value and since he has gone. I have spent £4k on a new kitchen alone.

He walked out to be with some one else. Of the 9.5 years I have had the house he only been paying on joint basis for 2.5 max. And has not paid a penny since.

I have no money left. He would have to go to court right? And that will cost him yes?

I think he is chancing his arm.
As soon as I receive a letter from his legal I will get my own tram on the case.

Thrugelmir

Before not after is the time to be thinking through this.

In legal terms, if there's no drawn up agreement. Then it amounts to your word against his. Courts do not adjudicate bun fights. The cost for such action would be prohibitive to all parties.

gazfocus

It's a tricky one...if your ex decides to take you to court, the cost is quite minimal (£80 for claims of upto £3000).

However, is your ex's name on the deeds to the house? If not, I can't see what your ex can claim for to be honest. Yes, he's paid towards your mortgage but he cannot expect to live somewhere 'rent free'.

If it were me, I would play dirty. If his name is on the mortgage, I would tell him if he doesn't sign the transfer, you won't pay the full mortgage payments and it will be his credit file that takes a battering (yours will too but you're not actually going to stop paying the payments (he doesn't need to know that though)) and if he really is saving to buy a place with his new girlfriend, this may panic him enough to get you off his back.