Umarried mum of 3, not on mortgage, separation
I wonder if I could get some advice or guidance for Janet who finds herself in a difficult situation....
Janet (39) has been living with John (37) for approx 10
years. They have 3 children together aged 9, 7 and 21 months. They have lived in John’s house which was in negative
equity when they met. John’s ex-partner,
Sheila, has a 12 year old son by John. Sheila hasn’t contributed towards the
house for 11 years but is still named on the mortgage and has signed an
agreement that she is due just £12k as her share, as the house was in negative
equity when she left. Sheila now wants
to be taken off the mortgage which we think can only happen if the house is
sold. The house has a current value of £450k.
John had a single business when he and Janet first got together. Janet is not on the mortgage but has contributed significant funds of her own towards extending and improving the house and building up 2 additional businesses mostly owned by John. Janet’s contribution over 10 years amounts to at least £50k - £60k including a £30k lump sum given to her by her parents, most of which has been used to pay building contractors and there are no formal records.
John now tells Janet that he will not repay any money that she has given him. Janet is not on the house mortgage for the house but is a 50% director on one of the (Ltd co) businesses, a large café/bar.
John and Janet have now separated and John is sleeping elsewhere but frequently returns to the house and becomes abusive towards Janet, for example telling her she has one week to get out of his house and to take her children and go and move back to her parent’s house.
A few months before they split up and in defiance of Janet’s concerns, John bought a German Shepherd puppy which is now a fully grown, noisy, boisterous, dog. Due to his size and strength, the dog cannot be kept in the house with young children and has to be kept at the house in a garden outbuilding with a small pen. John pays a dog-walker who takes the dog out several times a week and Janet puts food and water down for him. Every few days John cleans up the dog waste.
Janet does not have any means of support except Universal
Credit, Child Benefit and any housekeeping money that John gives her. Janet is now
paying the Council Tax.
Janet has been told that she cannot recover the funds she has contributed.
Can Janet stay in the house until her youngest child is 18, and would that prevent Sheila from coming off the mortgage ?
Janet wants to restart her life elsewhere with her children but I think her situation is hopeless financially.
Any advice or guidance most welcome even if just to confirm that it is hopeless.