Ex partner refusing all offers

Brock_and_Roll

First things first, is your partner's credit rating important for the next few years? i.e. do you want/need to buy a place together any time soon?

If the answer is no, then I would call her bluff. No credit file damage would be worth chucking tens of grand down the toilet over the next 20 years.

From the ex's perspective, as other posters have alluded to, she might be receiving sound advice, that in terms of getting council housing as a priority, she would be better off if the house was repossessed.

ben-dover

This sounds just like what my friend is going through, apart from his ex throwing a baby monitor at him!

Very sad but the only was this is going to get sorted is via solicitors and a trashed credit score for a bit.

It sounds like there wouldn't be much left in equity? In any case to limit his costs, etc he needs to get a court order to get the house sold, My friend said his costs are already into the thousands BUT he has over 200K in equity so wants his chunk of money out..

TBagpuss

It might be worth your partner talking to a solicitor and getting some advice. Look for someone with experience of TOLATA cases- this might be a person in the Family department or in Litigation team.

It would be open to him to apply to the court to force a sale. It's an expensive process and not ideal, but sometimes letting the other person know you are prepared to force the issue can be enough to get them to focus their mind. (And if the court did make an order for sale, then there would be no reason why the buyer could not be you and your partner)

alonehiker

Get a court order to force the sale of the house.

Voyager2002

foxy-stoat wrote: »

Sounds like she doesn't care as if and when the lender repossess the house she will get on the housing list and probably get another new house from one of the Housing Associations or the Council. Her credit will be shot as will your partners but sounds like she wont care.

She would be deemed to be "voluntarily homeless" and so would have no claim to social housing. She would be advised to rent privately: that is about all the help the council would give her.

Voyager2002

ban237 wrote: »

We've discussed him moving back in whilst she's still there, but the only reason he left in the first place was she threw a baby monitor at him, locked him in the house and then made false allegations of assault against him so if he goes back he's putting himself in a vulnerable position.

Nothing to stop both of you moving back in there! You could protect him and of course would be a witness to any incident. And I bet that situation would encourage her to think seriously about alternative living arrangements.

Blackpool_Saver

I would be moving into it myself, seriously, it's the way forwards

Lungboy

Is a court going to force the sale with a child living there? Seems unlikely.

ban237

Thank You everybody for your advice, has made us think differently bout the situation. We really want to avoid his credit being trashed as we can live comfortably in my house for now but with a family it will be struggle and need bigger place. I earn enough to get a slightly bigger house based on my salary and affordability but between us we can afford a lot more so it's very frustrating that her stupidity could ruin that for us.
Thanks again every one

fewcloudy

ban237 wrote: »

Thank You everybody for your advice, has made us think differently bout the situation..........
........so it's very frustrating that her stupidity could ruin that for us.
Thanks again every one

It's good that the advice given has made you think differently, as it was what you needed to do.

And her stupidity will not ruin things for you both forever more. The sooner this is done, the sooner his credit can start to be rebuilt. As others have said, it's a trashed credit for a bit...