Split up with my boyfriend now in a big mess

poohwithmoney

I really don't want to move back home, it seems so unfair as i was manging fine in the flat before we brought the stupid house.

Well now i have to move back to my flat

Income
£1621
Mortgage £606
Picture £400
Council Tax £70
Insurance £20
TV

poohwithmoney

really don't want to move back home, it seems so unfair as i was manging fine in the flat before we brought the stupid house.

Well now i have to move back to my flat

Income £1621
Mortgage £606
Picture £400
Council Tax £70
Insurance £20
TV £11
Electric £30
Water and sewage £20
Travel to work £210 ( i have an interest free loan from work to buy a year ticket)
Total £1367
Leaves £254

we then have all the debt above on the house which he is insisting i pay half on which i can't do. he said he'd pay the mortgage if i move out into the flat but want's half on the house debts until he decides if he wants to sell or not.

£1621

pania

Decides if he wants to sell!!! oh honey poor you what an awful situation. of course he'll have to bloomin sell!! or give you half the equity in the property!! why on earth should you move back to your flat with the headache of paying for everything, be stressed out and short of money while he lives it up in a newly refurbished pad with your name on half of it!
How much will the house be worth if you put it on the market once completed and how does that compare to the mortgage and debt balances that you have?
have a greta big hug from me, be strong and get your little butt to CAB pronto. i think you need some legal advice regarding all of this esp with the mixed up debt, credit card consolidation in your name etc.

Lots of love
P
xxx

LouiseJ

Just wanted to send you (((((HUGS))))) I know breakups are devastating enough without being put under so much stress financially.

I agree that you need to get advice from C.A.B. and he does need to sell that house.

Keep your chin up.

poohwithmoney

Thank you all

The house was brought for £195,00 he put a £10,000 deposit down. We have a joint debt of £31,000 on it and it was valued unfinshed at £230,000 there is noway i think it will sell in the market at the moment the house is in Rochester and is a character property - aghhhh i didn't even want to bloody buy it in the first place!!

tealady

Then ask him to buy you out. See how much the house really means to him.
Sorry that sounds a bit harsh, I am on your side but you do need to get your life sorted, where he lives and his debts are his problem

jinky67

Obviosly we dont know the full story of reationship,but it seems to me that he was taking you for a ride
You get a loan which he uses yet he expects you to pay for it.
you get a house now he will decide what happens to it:mad:
you jointly buy a house you really didnt want
you use your cards to finance part of refurb now he doesnt want to know.
It all sounds dodgy when you look at it objectively.
How long were you together ?
Does he have any debts?
Do you think he was trying to palm them off on someone else?
Sorry if these dont sound constructive, but just want to make you think about the situation in greater detail.
Sounds to me like you didnt know him that well or as well as you think:o

mummum2

tealady wrote: »

Then ask him to buy you out. See how much the house really means to him.
Sorry that sounds a bit harsh, I am on your side but you do need to get your life sorted, where he lives and his debts are his problem

Ditto!!! Big hug to you and hope you get it sorted soon.

irnbru_2

pania wrote: »

Decides if he wants to sell!!! oh honey poor you what an awful situation. of course he'll have to bloomin sell!! or give you half the equity in the property!!

OP is this a joint mortgage?

irnbru_2

poohwithmoney wrote: »

it even paid off one of his credit cards but he doesn't care about that now.

Providing you can prove it's not a gift but a loan and less than £5000, you can pursue it through the small claims court.

I'd go to the CAB and get some advice as, if you were successful, there are many ways to recover the money including putting a charge on your joint house: though that could stop a sale and not advisable if you're still living there too.