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Moving Out but Ex staying

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  • Moving Out but Ex staying

    Hello,

    I think this is the right area.
    Me and the ex gf have had our own home for 7.5 Years and she left me in Oct 2013 and was shortly with someone else.

    I still paid the bills ( all utilis and mortgage are in my name ) I have now met someone else and we are working to live together.

    The ex wants to stay in the family home with the 3 children. I would like all the utility bills to be transferred in her name ( not cancelled as such ) as i dont see why i should contunie to pay ( considering her new partner has been living there since oct too )

    Also, the mortgage is in my name ( interst only ) and i have told her i will soon be stopping this DD and it will be down to her. I have told her i personally will not be asking her to leave or sell, but how can i make sure all if under her responsibility and i am in the clear.

    So if she has to sell or cant afford anything, it all on her not me,
    To date - all utils are in credit.

    I have already cancelled Elec, BT, SKy and have emailed them explaning i have left and she will be paying.

    Thanks for advice
    Quasar
    Tags: None

  • #2
    Re: Moving Out but Ex staying

    If the mortgage is in your name only then it is you that owes it and the one who will be hounded if you stop paying it.

    Comment


    • #3
      Re: Moving Out but Ex staying

      what if i drew up an agreement with the ex -stating and signed that she will take over payments and be held liable- she will of course know if she dont pay ill be hounded to sell !

      Comment


      • #4
        Re: Moving Out but Ex staying

        You could make such an agreement, but it would not be binding on the mortgage provider. To do things properly, she'll need to get a mortgage in her own name and 'buy you out'.
        "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

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        • #5
          Re: Moving Out but Ex staying

          Maybe a proper tenancy agreement would be better, but you would need to let your lender know or rather ask permission to do this and then set up the agreement. If you are happy for the rent amount just to cover the mortgage then fair enough but you would also be liable for other costs ie repairs etc and that should be taken in to account.

          Comment


          • #6
            Re: Moving Out but Ex staying

            "but you would also be liable for other costs ie repairs etc and that should be taken in to account."

            what if i said no i dont want to be responsible for that and she signed something to agree to it.

            Comment


            • #7
              Re: Moving Out but Ex staying

              All that would have to be put in the tenancy agreement just who is responsible for what.
              Also your lender may insist on a re mortgage for a buy to let one but that you would have to take up with them.

              Comment


              • #8
                Re: Moving Out but Ex staying

                you say that " The ex wants to stay in the family home with the 3 children." are they your children if so.

                Will the children benefit if she moves back into the home (schools/friends).
                Last edited by vanman; 24th April 2014, 20:24:PM.
                Don't let them grind you down

                Comment

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