Co-habiting couple split up, joint everything! Advice please!

DKLS

sebpetch wrote: »

Any advice on who gets what and what s**t she could throw at me next would be great. Just so Im prepared. And what to do next!?
Thank you

Well from my experience, be prepared for her to throw eveything at you, I spent 18 mths and a few thousand to get shut of her and the house.
We started amicable that lasted about 24 hours, then she redefined the definition of bunny boiler.
Is your solicitor a nice guy??? If so get shut and hire a female pitbull to fight your corner. Ps dont trust her an inch and more importantly dont believe a word she says.
Get shut and enjoy your life, At the time it was horrific paying rent/mortgage and legal fees, but now I am more happy then I could ever believe, truly in Love, engaged to my gorgeous GF, have a bigger house, a non "sensible" car, less debts, and best of all I dont have to wake up to that moose anymore.

OP, PM if you want to know more.

Curv

Spam reported.

Richard_Webster

Ask your solicitor what it will cost to argue about it in court.

Work out the hard cash difference between her terms and what you want, and then bearing in mind the cost of arguing about it in court, decide how far it is worth arguing rather than settling.

fimonkey

Best advice a solicitor ever gave was "I'm not your counsellor, I charge by the hour, don't waste your money coming into me to discuss the finer details of your relationship, who was morally right/wrong. Know what you want and come to me with that and I'll help you achieve it" ... so yeah asking questions on this board can help you save money in the long run!

PasturesNew

£1 says the OP is the cheat.
He's being too kind for a man without a guilty conscience .....

Guy_Montag

PasturesNew wrote: »

£1 says the OP is the cheat.
He's being too kind for a man without a guilty conscience .....

I was thinking the same, he seems quite sanguine & she's obviously livid.

Of course I'm too polite to say anything

pennypinching_2

Simular thing happened to me. My OH went off with my mate, I left as couldnt bear it. I put the house on the market, he wouldnt let anyone in to view, he changed the locks didnt pay the mortgage and took in lodgers! There was no way I was going to continue to pay the mortgage so house got repossessed.

Id move back in!!!!

Debt_Free_Chick

PasturesNew wrote: »

£1 says the OP is the cheat.
He's being too kind for a man without a guilty conscience .....

But it doesn't make any difference to the financials though Even for married couples, divorce apportions no financial "penalty" for blame

This situation is always difficult, but for starters, as a joint owner the OP owns half the property - and half the mortgage (I assume the mortgage is in joint names too, as would be the norm). It doesn't seem entirely unreasonable to continue to pay half the mortgage in return for the half share of the property.

Problem is she is getting the same deal PLUS the benefit of actually enjoying the property as she's living in it. Again, it doesn't seem entirely unreasonable (to me) that she pays for that "enjoyment". In any event, she is now the only consumer of the services/goods provided by the other bills e.g. gas, electric etc (even Council Tax).

OP does not have the benefit of living in the property and is not consuming the goods/services.

I would suggest that OP pays half the insurances as well as half the mortgage though - as they are directly related to the property itself.

I think the mortgage/house ownership is pretty clear - the other stuff is "up for negotation" and different couples will come up with different solutions.

After all, the OP doesn't really want his ex to be financially hard up to the point that the mortgage repayments are compromised as it's not in his interests to have the property repossessed!

benb76

Your solicitor is correct, you would still be entitled to half the value of the house. Even if you stopped paying completely you'd still legally be the joint owner, although she would have a good case to claim back half of your missed mortgage payments after the house had been sold (either in court or out of court).

As for what she can throw at you next, she would be perfectly entitled to empty your joint bank account and you'd have no legal claim on half of the cash, you'd also still be jointly liable for any overdraft that she may run up. So I'd withdraw your share of the balance in your joint account and arrange to get it closed ASAP!!!!

Debt_Free_Chick

benb76 wrote: »

. So I'd withdraw your share of the balance in your joint account and arrange to get it closed ASAP!!!!

Although avoid starting a war

Better if you can both agree how to split any remaining "cash" and then change any joint accounts.