Get UK Law Questions Answered by Verified Experts
yes , and all of the utilities , insurances , council tax etc
I have to ask why he is Volunteering to pay the mortgage.
Don't you trust him?
Because he claims to want a new life ( I wasn't aware of any problems or that he was unhappy ) . None of it really makes any sense . He then claims he knows it is his choice , I have no say in it but that he isn't going to see me homeless etc . he just doesn't want to be with me . His entire behaviour is so out of character I'm just so worried that he may say this now , then change his mind , and Ill have no where to go , or he wont continue to pay and then we could loose the property .No don't trust him . Its like watching / dealing with a complete stranger not someone I've known for 26 years , let alone been with for 17 .
Thank you. The legal situation is that he doesnot have to pay the mortgage or the bills of a house that he does not live inalthough he remains liable to the lender if you do not pay.
He is not correct in what he says that asolicitor will not let him sign an agreement which is not in his best interestis using that as an excuse not to sign one in my opinion.
Many people take out, for example, loans andmortgages which are not in their best interest and the lender will insist thatthey take advice from a solicitor, and the solicitor will give the advice whichis not to enter into the agreement of the borrower will still do it anyway.
To be honest, properly drafted agreement is of nomore legal effect and a simple letter which confirms from him that he will paythe mortgage etc every month.
The fact remains that whether you have a deed oran agreement drafted by a solicitor or a top London barrister or a simpleletter in which he writes, in his own writing (extremely powerful if it is inhis own writing) that he will pay the mortgage on time every month and he doesn't,you are faced with suing him in court. By the time to court the house wouldhave been repossessed.
I would ask in therefore to do a letter in hisown writing asking him to confirm to you that you can stay in the house as longas you wish and as long as you want to stay there, he will continue to pay themortgage etc.
You might want him to add in at the end, that hewill not seek any further equity from the house when it is eventually sold as aresult of these payments.
If you want to get an agreement drafted, asolicitor will probably do it for two or £300 and then you can stick it infront of him to sign but you are going to have to do insist that he takes legaladvice on it and that the solicitor witnesses his signature and confirms thathe has indeed given legal advice on it. You will be responsible for that legaladvice which will be another couple of hundred pounds so the exercise is likelyto cost you about 500 quid.
I would just settle for a handwritten letter forhim at present unless you particularly want something drafted in legal terms.
Does that answer the question? Can I assistfurther or answer any specific queries?
If you have not done already, please don't forget to positivelyrate my answer service even if it was not what you wanted to hear. You shouldnow see a series of buttons which enable you to rate my answer serviceformally.If you don't rate it positively, then the site keep your deposit and I get 0for my time. It is imperative that you give my answer a positive rating. It doesn't give me, "a pat on the head", "good boy" (like ebay), it is mylivelihood!If in ratings you feel that you expected more or it only helped a little,please ask.
The thread does remain open for me to answer follow-up questionsafter rating my answer service.Rating doesn't close the enquiry atall even though the site may give that impression. It remains open for you toread and ask for further clarification.Regards.
PS Experts on here are online and off-line all day each day andweekends so please bear with me if I do not get back to you immediately.
PS. I use voice type, voice recognition typing because I onlytype with two fingers and it would take me ages. Sometimes, a computer does nothear me correctly and you will get an incoherent word. I do try to butsometimes they slip through. I apologise therefore if anything doesn't makesense. It is me losing it, not you. Just ask if anything is not clear please.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).