Where do I start ?? Desperate for reasurrance.. SOA now attatched

kazza292_2

double checked just now.. Nationwide mortgage has both our names on it. Land registry which was updated in 2011 when we re mortgaged for new kitchen says he is the registered proprietor ( his name was not previously on anything )

iammumtoone

kazza292 wrote: »

double checked just now.. Nationwide mortgage has both our names on it. Land registry which was updated in 2011 when we re mortgaged for new kitchen says he is the registered proprietor ( his name was not previously on anything )

I don't know the answer but I suggest you start a new thread in the house buying/selling section for the above issue. People who will be able to help are more likely to pick this up there.

Honeysucklelou2

Hi Kazza

I could have written your original post a year ago and I wouldn't have coped without the support of my parents, particularly my dad. I think you are doing well at attending to the financial details now.

Do you have any copies of the paperwork from the remortgage taken out in 2011?

fatbelly

That's your main issue, Kazza. Good job you picked it up early.

Keep this as your main thread but you need specialist advice here as obviously it changes everything if you don't own the house you thought you did!

sourcrates

fatbelly wrote: »

That's your main issue, Kazza. Good job you picked it up early.

Keep this as your main thread but you need specialist advice here as obviously it changes everything if you don't own the house you thought you did!

You are named on the mortgage, but not on the deeds ?

kazza292_2

i do have paperwork from the re mortgage Honeysuclelou2 coveyencing mortgage and land registry..

[Deleted User]

kazza292 wrote: »

Monthly outgoings ( 5 week month included )

-Mortgage £590 fixed rate till 2019 ( cost me £1500 to leave deal)
-HSBC Advance £10
-Mobile phone £40 - This is quite a lot, for one phone? Go PAYG/sim only, ASAP.
- House insurance- £45
-Car insurance £25
-Petrol £50
-Council Tax £100 - Do you qualify for the single person discount?
-Water- £55
-Manweb gas /ele- £70
-TV license £12
-AOL/ Phone and broad band £ 25
-overdraft cost £10
-Loan- £280
-mbna cc - £25
-Hsbc cc £120
-clothes -£30
- Hobbies daughter - £60 - You can't afford this atm.
-Hobbies me £20- You can't afford this atm.
-Holidays £30 - - You can't afford this atm.
-xmas /birthdays- £40
-food and drink 300 - You should be able to reduce this a bit.
- Car servicing-/mot £30
-Emergencies £20
-Hair £15
-Dentist £10
- School club £70 - Is this mandatory?

My comment/observations in red.

[Deleted User]

kazza292 wrote: »

i need my car as i use it to visit patients in work in the community

Do you receive any kind of allowance, for using your car for work?

Honeysucklelou2

Just wondering if it's worth having a quick reread of all correspondence from that time. If you owned the house beforehand and it was remortgaged in 2011, I'm struggling to understand how your name could have been removed from Land Registry titles. From memory of when The ex and I bought our house, the registering of the title deed at Land Registry is the last bit of conveyancing process. I would have a read through to check each stage.

WillyWonga

Firstly congrats on realising things have got to change, especially with a young daughter. At least you will be happier (in a way..) which will make your daughter happier.

Money. Well first things first read up on your pension. Dont go quitting if it is a final salary scheme as you will benefit from later on and too much to lose. Most importantly dont scrimp and scrape on money in a panic to clear debts. Yes there will be upheaval but if you spend the next five years or so spending everything to get rid of debt then you will lead a unhappy life and miss out on precious time with your daughter.

Main thing is you are breaking even which is a great start. Have a review of your finances. Claim single council tax, claim tax allowance for washing your uniform if carries a logo etc etc. People might say you cant afford hobbies.... you can and will make you happy. Same goes for your daughter. Tackle one debt at a time to reduce your debts. Speak to your ex and get him to take on a couple of debts.

Make time with your daughter for treat days which can be very cheap as you make it. Dont throw every penny at debt as it will make you unhappy. 1 debt at a time, sell the caravan and clear one debt then move onto the next chipping away. Do an overtime shift one day and let your parents have your daughter. Use that money as either your treat money or debt money.

Good luck..... just dont throw everything at debt.... I know I will be lambasted by some on here for saying that but end of day we are human.