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Can I argue that I'm not a first time buyer due to circumstances.
Audi1609
Posts: 5 Forumite
I am currently saving to buy my 'first' house after a negative previous experience.
My ex partner and I purchased a shared ownership house 2 years ago with a gifted deposit from a family member. After only 2 months of moving in we split up. At the time I could not afford the house on my own and so it was transferred into his name leaving me with nothing.
As the circumstances were out of my control, I would like to know if I still have options. I made no money from the property. I opened up a help to buy ISA, but didn't use this due to the gifted deposit we received.
I would like to open a help to buy ISA now but I don't know what my options are.
Any help would be greatly appreciated.
My ex partner and I purchased a shared ownership house 2 years ago with a gifted deposit from a family member. After only 2 months of moving in we split up. At the time I could not afford the house on my own and so it was transferred into his name leaving me with nothing.
As the circumstances were out of my control, I would like to know if I still have options. I made no money from the property. I opened up a help to buy ISA, but didn't use this due to the gifted deposit we received.
I would like to open a help to buy ISA now but I don't know what my options are.
Any help would be greatly appreciated.
0
Comments
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The criteria for "first time buyer" really is quite simple.
You must answer "no" to the following question: have you ever owned a house before?
I have no idea why you could possibly think you're still a first time buyer.....0 -
The circumstances which have led to you no longer being a first time buyer are that you have previously bought a house. That wasn't out of your control.Laurenalexbrown wrote: »My ex partner and I purchased a shared ownership house 2 years ago with a gifted deposit from a family member.
As the circumstances were out of my control0 -
Unless your former partner made you do this under duress, I can't see how this statement equates to the circumstances being out of your control.Laurenalexbrown wrote: »
My ex partner and I purchased a shared ownership house.0 -
:doh:
Every other day this post comes up at the moment.
OP buying a house with your partner wasnt not out of your control unless coerced. Your post doesn't suggest you were & even if you were you still owned a property.0 -
A restraining order was granted meaning I was to move out of the property and he was allowrd no contact with me. This was for my own safety.0
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But you still owned the property & bought it together0
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Laurenalexbrown wrote: »A restraining order was granted meaning I was to move out of the property and he was allowrd no contact with me. This was for my own safety.
Sorry no.
1. Restraining orders are placed upon the offender, not the 'victim'. So if you were ordered to move out, it was because you were the offender.
2. Restraining orders are only granted as part of criminal courts. The civil equivalent is a non-molestation order; similarly an occupation order.
3. Even if you've simply confused terminology, or indeed the whole situation. None of that removed your legal ownership of the property...
So how about you start from the beginning?0 -
As my ex had an affair, and then became threatening, verbally abuse and was stalking me. It was safer for me to live at home where I was not alone. It was not safe for me to live in the property alone when he continuously kept arriving at the property.0
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Laurenalexbrown wrote: »As my ex had an affair, and then became threatening, verbally abuse and was stalking me. It was safer for me to live at home where I was not alone. It was not safe for me to live in the property alone when he continuously kept arriving at the property.
Whilst that is obviously a sad event for you, it doesn't change your FTB status0 -
None of this story changes your status0
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