When you buy a house but the relationship doesn't work out...?

hazyjo

Sounds exactly like my mum's written this over my sister's relationship. 30 years on and they're still together. Still bickering, my sister still moans to my mum about every single thing the poor bloke does, and she consequently gets stressed and talks to me 🤦🏼‍♀️

He's not perfect, but my mum being so involved most definitely has not helped.

Best to cross these bridges as they come. Really not advisable for the person who's telling you to then start passing on any info to the woman in the relationship. They're still together!!

macman

Have they purchased as joint tenants, or tenants in common? If the latter, in what shares?

B0bbyEwing

elsien said:
There does seem to be a lot of presuming going on here.

I agree 100% with you.

Since I'm obviously not the only one making a lot of presumptions. 

One of the presumptions that appears to be being made is that i'm getting very involved. This is where presuming goes wrong because I've actually said/done very little.
Right now I'm just educating myself with info. If it turns out that it isn't needed, which hopefully it does, then I've done nothing but 'waste' (probably a term used by others but not me) my own spare time & I'm fine with that.

Dangerous game is presuming.

B0bbyEwing

macman said:

Have they purchased as joint tenants, or tenants in common? If the latter, in what shares?

I couldn't honestly tell you. I would assume on a 50/50 split but that's only an assumption and therefore worthless.

RAS

That is one fact that it is easy enough to confirm without any other party knowing. It costs £3 to download the basic title form the gov.uk site. If it's tenants in common then there will be a Form A Restriction. Joint tenancies are silent. 

It won't however tell you the percentages, but the assumption is 50:50 unless there's a formal agreement otherwise.

Not that it matters too much if they divorce as financial settlements can alter distribution.

p00hsticks

RAS said:

That is one fact that it is easy enough to confirm without any other party knowing. It costs £3 to download the basic title form the gov.uk site. If it's tenants in common then there will be a Form A Restriction. Joint tenancies are silent. 

It won't however tell you the percentages, but the assumption is 50:50 unless there's a formal agreement otherwise.

Not that it matters too much if they divorce as financial settlements can alter distribution.

The couple aren't married so there is going to be no formal financial settlement from a divorce. And if they only completed on the purchase a few weeks ago, it's likely going to be a while yet before the Land Registry is updated with the new ownership details.

macman

B0bbyEwing said:

macman said:

Have they purchased as joint tenants, or tenants in common? If the latter, in what shares?

I couldn't honestly tell you. I would assume on a 50/50 split but that's only an assumption and therefore worthless.

Fair enough, but the distinction is important. If joint tenants then it is NOT a 50/50 split, or any other proportion. The both wholly own 100% of it and one party cannot sell their share of it without the consent of the other.

B0bbyEwing

macman said:

B0bbyEwing said:

macman said:

Have they purchased as joint tenants, or tenants in common? If the latter, in what shares?

I couldn't honestly tell you. I would assume on a 50/50 split but that's only an assumption and therefore worthless.

Fair enough, but the distinction is important. If joint tenants then it is NOT a 50/50 split, or any other proportion. The both wholly own 100% of it and one party cannot sell their share of it without the consent of the other.

I'll ask her when I next see her but I'm fairly sure it'll be 50/50. When they were going to buy the house I said she wants to make sure she gets an equal split on it and I'd be amazed if she rolled over for anything else. 
To be fair I'd also be surprised if he had the cheek to ask for more than 50% ownership. I know I've said what I've said about him but I wouldn't have him as going for more than 50%. 

That said, to us he's very pleasant & a nice guy but clearly when it's just the two of them he thinks it's appropriate to come out with disgusting remarks, whether he 100% meant them or was just saying awful things in anger.
So who knows what percentage he'll have gone for when it's just the two of them. Default 50% or more, who knows. 

p00hsticks

B0bbyEwing said:

macman said:

B0bbyEwing said:

macman said:

Have they purchased as joint tenants, or tenants in common? If the latter, in what shares?

I couldn't honestly tell you. I would assume on a 50/50 split but that's only an assumption and therefore worthless.

Fair enough, but the distinction is important. If joint tenants then it is NOT a 50/50 split, or any other proportion. The both wholly own 100% of it and one party cannot sell their share of it without the consent of the other.

That said, to us he's very pleasant & a nice guy but clearly when it's just the two of them he thinks it's appropriate to come out with disgusting remarks, whether he 100% meant them or was just saying awful things in anger.
So who knows what percentage he'll have gone for when it's just the two of them. Default 50% or more, who knows. 

B0bby, I really strongly suggest that, whatever you think of this person, that you keep the personal comments about them to yourself. The content of this thread, together with others that you have posted, are more than sufficient to enable those mentioned to identify you and themselves if they come across this forum, which is only going to exacerbate the situation.

IdrisJazz

B0bbyEwing said:

macman said:

B0bbyEwing said:

macman said:

Have they purchased as joint tenants, or tenants in common? If the latter, in what shares?

I couldn't honestly tell you. I would assume on a 50/50 split but that's only an assumption and therefore worthless.

Fair enough, but the distinction is important. If joint tenants then it is NOT a 50/50 split, or any other proportion. The both wholly own 100% of it and one party cannot sell their share of it without the consent of the other.

I'll ask her when I next see her but I'm fairly sure it'll be 50/50. When they were going to buy the house I said she wants to make sure she gets an equal split on it and I'd be amazed if she rolled over for anything else. 
To be fair I'd also be surprised if he had the cheek to ask for more than 50% ownership. I know I've said what I've said about him but I wouldn't have him as going for more than 50%. 

That said, to us he's very pleasant & a nice guy but clearly when it's just the two of them he thinks it's appropriate to come out with disgusting remarks, whether he 100% meant them or was just saying awful things in anger.
So who knows what percentage he'll have gone for when it's just the two of them. Default 50% or more, who knows. 

You are probably right to see red flags here. 

A friend of mine ended up in an abusive marriage not long ago that sounds similar to this. The guy was very charming to everyone else and we all had a hard time beleiving he was capable of what was actually going on behind closed doors (at least physical, emotional and financial abuse). Looking back, it took far too long to get her out of a harmful situation; sitting back and waiting for things to take their course is sometimes not the best approach.

Joint counselling does NOT work in abuse cases.

If possible, I would recommend getting her to record any evidence of abuse. I was tempted to say she should just walk away and leave him liable for the mortgage - but is she is jointly liable this could harm her. If there is evidence that her or the baby are at risk of harm, they would get the nod to stay in the property - which would hopefully encourage him to sell.
It can be hard for people to come to terms with the fact that they are being abused, as they often think it is their own fault.

I'm not at all an expert in the legal side of things. Sounds like it could get very messsy.

All the best.