Tenants in Common but no contribution

[Deleted User]

saschia said:

My intention was as the letter I uploaded shows that he would NOT be entitled to the £130k deposit I put down and that we would each be entitled to the mortgage payments we had made back. However the solicitor did not do this as they claim they did not receive my letter, but an email trail I have proves they did as they acknowledged receipt of it. I can afford the mortgage in my own name too but I am tied in for the next 18 months.

Your proposal in the letter is mathematically nonsensical. You put in the £130k deposit and he is to pay the £130k mortgage which would result in him paying a lot more than £130k over the term of the loan because of compound interest. Yet he was to get ALL the mortgage payments he’d made back and you were to get your £130k back. There could very well not have been enough equity to do that. 

In any case what you agreed to by the time you completed the purchase was a 95/5 split as tenants in common. You get the raw end of the deal as the relationship broke down so quickly whereas in the future he’d have had the raw end of only being entitled to 5% of the equity. 

Have you raised this with the solicitor involved in the purchase yet?