We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Joint tenants, ex-partners and both want the tenancy alone - help!

2»

Comments

  • Thanks to everyone for their replies and comments, they are very much appreciated.

    As commented, since this is about property rather than relationships I didn't say much on the latter, but just a little to put this into context - I'm divorced, with children, who enjoyed their time with me at the house, but their Mum stopped access and that's going through the family court at the moment. That's obviously damaging the relationship with the kids and access will resume, but it will be that bit easier if they come back to a familiar house. Meanwhile the more recent ex knows how much I want my kids back and her blackmail was she'd make allegations about me, however untrue, to damage and slow down my case if I didn't get out. So on balance I decided to prioritise the case, especially if there's a way back to the house later on when the fixed tenancy ends and by which time hopefully access is resuming. It's playing the long game.

    So, the recent joint tenant ex is nasty (not that the ex-wife is any better!), absolutely no desire to have anything to do with her once this is resolved, but I have morals and want to avoid sinking to her level as much as possible.

    Part of my thinking in keeping stuff there is that it does keep some 'possession' even if I'm not sleeping there. But I see the logic of just moving everything out, especially if that's associated with then not paying. If worst case I just end up paying my share later on then that's OK, but I don't really want to end up with anything like a CCJ affecting my future prospects for renting or indeed buying.
  • canaldumidi
    canaldumidi Posts: 3,511 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    mic1000 said:

    Part of my thinking in keeping stuff there is that it does keep some 'possession' even if I'm not sleeping there. But I see the logic of just moving everything out, especially if that's associated with then not paying. If worst case I just end up paying my share later on then that's OK, but I don't really want to end up with anything like a CCJ affecting my future prospects for renting or indeed buying.
    keeping stuff there is not in any practical sense keeping some 'possession'. It just means your ex has access to your possessions....
    Remove them or move back in (and I know which option I'd choose).
    The advice earlier to stop paying but keep the money aside just in case is sound. It also allevates your concern "don't really want to end up with anything like a CCJ".
    You don't get a CCJ unless the LL takes you to court, the judge orders you to pay and you still refuse to pay. Of course, having the money aside, means that should it actually get there far, you pay, satisfy the judge and ... no CCJ.
    I also agree that putting this dispute in front of the LL will not impress either of you to him. He'll be happy so long as the rent comes in (relationship of his joint tenants is not his concern); but he'll be wary about grnting a new tenancy to either;
    End the tenancy either by Early Surrender if ex & LL agree, or by motivating the LL to serve a S8 for rent arrears. And if ex picks up your retpaymets to void arrears, that's all well and good too.

  • Brie
    Brie Posts: 16,922 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    lateral thought...what does your tenancy agreement say about who lives in the house?  Is it ok with the LL that the ex's new squeeze is permanently there?  That might be your opener for 10.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇🏅🏅🏅🏅
  • Slinky
    Slinky Posts: 11,654 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    mic1000 said:
    . Meanwhile the more recent ex knows how much I want my kids back and her blackmail was she'd make allegations about me, however untrue, to damage and slow down my case if I didn't get out.

    What a $hItty thing to do. Sounds like you've dodged a bullet there.

    Make £2026 in 2026
    Prolific £177.46, TCB £10.90, Everup £27.79, Roadkill £1.17
    Total £217.32 10.7%

    Make £2025 in 2025  Total £2241.23/£2025 110.7%
    Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10

    Make £2024 in 2024 Total £1410/£2024 70%
    Make £2023 in 2023 Total: £2606.33/£2023 128.8%






  • Sistergold
    Sistergold Posts: 2,156 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 19 February 2022 at 9:57PM
    Dear OP, sorry about the fact that you have had an unlucky streak with partners, mother of kids and now ex both blackmailing you because you love your children. Unfortunately people like that will not stop because you are doing as they say instead they will ask for more blood. If you know you are good with your children and that your hands are clean then don’t accept to be blackmailed. Making you pay half the rent while they are living in the house with new boyfriend will be way over the top for most people. Allowing this on its own is not going to work in your favour. 
    Children do adapt quickly to change and will pick up positively on your fresh start if you should move. The more you hold on to something the more grief it will cause you. The only way to get a result with this ex and blow their bubble is to stop paying rent and like I said keep this money monthly and more on the side! 
    Initial mortgage bal £487.5k, current £238k, target £122k (quarter way!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    To save £100k in 60months start 01/01/2027
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • saajan_12
    saajan_12 Posts: 5,789 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Waiting until July is pointless, as without cooperation between you + ex (+possibly LL), the tenancy would continue as joint periodic or you'd be liable for mesne profits. 

    I would suggest one of the below, but do it now:
    1) Agree with ex + LL to mutually terminate now and start new tenancy in one name only -> cleanest solution but only if LL agrees
    2) Agree with ex that you'll move out, ex will get full use of property and cover full rent. (you're still liable to the LL but can sue ex civilly if she doesn't pay). In July you'll both move out unless LL agrees to a new contract with ex alone
    3) Move back in and save on accommodation costs elsewhere.


Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.