girlfriend wants half!
Discussion
Cobnapint said:
I'm living with my girlfriend in my house at the moment. Suffice to say, I researched the hell out of it before letting her move in.
I did the same.Was in the same situation really.
7 years with partner, I bought the house, I paid the deposit and she moved in. She paid me a bit of money each month but bank transferred it to me and the bills came out my account. We did have a joint account that paid council tax. When I ended it I was as civil as I could be she demanded money for everything she had bought for the house, gutters, fascias the lot - I was looking at a huge cost. Now I had paid for all the servicing & for part of her car so I just replied she best sell her car asap then as I had paid for most of it & what ever she wants she can take as I wont be paying for it, Id rather buy new and left the room. (I knew full well she had no where to put it so she was screwed)
Few hours later she asked me to come back into the living room retracted her request and I agreed to give her money for some items that she had paid for and I would keep. I didn't have to and I was trying to be nice about it all. Seemed to work and she dropped the money thing after & moved out asap one day.
That was September but we no longer speak due to another reason.
I would seek legal advise sooner than later, Also look at the bigger picture behind her is or could someone be influencing her to say things to get one over on you? Look into getting your own supply for what she pays for as if she doesn't pay it can affect her credit file etc - Id bang that one in the equation if she becomes a great a chunt
Good luck btw
Vincefox said:
Cheers for the reply, I'll dig further.
WRT her contribution, examining my monthly statements would clearly show that all it's done is add to my savings/assets. The house and bills are more than covered by salary. She has been uninvolved in any financial aspect of the property purchase or continued payments at any point.
Could you claim she is paying for lodgings?WRT her contribution, examining my monthly statements would clearly show that all it's done is add to my savings/assets. The house and bills are more than covered by salary. She has been uninvolved in any financial aspect of the property purchase or continued payments at any point.
Cotty said:
Vincefox said:
Cheers for the reply, I'll dig further.
WRT her contribution, examining my monthly statements would clearly show that all it's done is add to my savings/assets. The house and bills are more than covered by salary. She has been uninvolved in any financial aspect of the property purchase or continued payments at any point.
Could you claim she is paying for lodgings?WRT her contribution, examining my monthly statements would clearly show that all it's done is add to my savings/assets. The house and bills are more than covered by salary. She has been uninvolved in any financial aspect of the property purchase or continued payments at any point.
Background on this, I've had three very good friends in the last two years get PROPERLY done over by partners/wives. Classic dismantling jobs done on both of them, neither of whom deserved it. Mrs. Vince is not cut of the same cloth, but I've worked very hard and have specific plans for my future that don't involve having to part with the house or remortgage it so I'm being extra careful.
garyhun said:
Vincefox said:
Interesting this comes up now. I could do with a little advice on my own (similar but not) situation...
-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
Unless you can prove that the money she gives you is NOT for paying the mortgage or any house improvements, then you'll potentially have an issue if she leaves and claims she was paying the mortgage with the money.-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
The only way to guarantee there is no claim is not to marry or cohabit.
Vincefox said:
Cotty said:
Vincefox said:
Cheers for the reply, I'll dig further.
WRT her contribution, examining my monthly statements would clearly show that all it's done is add to my savings/assets. The house and bills are more than covered by salary. She has been uninvolved in any financial aspect of the property purchase or continued payments at any point.
Could you claim she is paying for lodgings?WRT her contribution, examining my monthly statements would clearly show that all it's done is add to my savings/assets. The house and bills are more than covered by salary. She has been uninvolved in any financial aspect of the property purchase or continued payments at any point.
Background on this, I've had three very good friends in the last two years get PROPERLY done over by partners/wives. Classic dismantling jobs done on both of them, neither of whom deserved it. Mrs. Vince is not cut of the same cloth, but I've worked very hard and have specific plans for my future that don't involve having to part with the house or remortgage it so I'm being extra careful.
Whether or not your salary can cover everything is a little moot, it's what her money is actually used for that's important.
By the way I live with my g/f and have done for about 8 years with no issues or agreements so I'm not trying to put you off
PurpleMoonlight said:
garyhun said:
Vincefox said:
Interesting this comes up now. I could do with a little advice on my own (similar but not) situation...
-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
Unless you can prove that the money she gives you is NOT for paying the mortgage or any house improvements, then you'll potentially have an issue if she leaves and claims she was paying the mortgage with the money.-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
The only way to guarantee there is no claim is not to marry or cohabit.
Apologies if I'm sounding a little combative with replies, but this is something important enough to require specific, measurable information for.
RRLover said:
On the same vein.
A friend split from his long term partner of 14 years around 5 years ago.
He walked away with nothing, they bought the house together, although a few years later she manipulated him into changing the name of the house to hers only. He transferred his wages to her on payday every month so has proof that he contributed to the house & bills.
Does he have any grounds given the time since they split ?
Although not my problem, hes a decent chap & left it alone just for peace, i see him struggling a bit & shes living the high life.
SNWT
I know a chap who was in a similar situation.A friend split from his long term partner of 14 years around 5 years ago.
He walked away with nothing, they bought the house together, although a few years later she manipulated him into changing the name of the house to hers only. He transferred his wages to her on payday every month so has proof that he contributed to the house & bills.
Does he have any grounds given the time since they split ?
Although not my problem, hes a decent chap & left it alone just for peace, i see him struggling a bit & shes living the high life.
SNWT
Gave a lump of cash to his GF to add to the deposit for a house, Bought the house and when he was away working sorted all the bills etc out so when he came home it was all done. Months went by and he was just sending money to her as she hadnt had time to add him to them apparently and with her being a nurse, on a better wage etc it was better for them to get credit as he had had issues in the past. 9 months later she asked him to leave he agreed and asked for nothing but the deposit he gave back. She just said you didn't pay for anything f**k off and he did nothing. She now has a nice house and hes at his parents a mess because of the manipulative witch.
We did tell him to be careful when they started seeing each other but never thought shed snoop that low.......
Vincefox said:
What other means?
Apologies if I'm sounding a little combative with replies, but this is something important enough to require specific, measurable information for.
Mine claimed on the basis of painting the kitchen and maintaining the flower beds. Land Registry happily registered a caution against Title based on that too.Apologies if I'm sounding a little combative with replies, but this is something important enough to require specific, measurable information for.
Cost me £15,000 to make it go away. £1,000 for every month of cohabitation.
PurpleMoonlight said:
Vincefox said:
What other means?
Apologies if I'm sounding a little combative with replies, but this is something important enough to require specific, measurable information for.
Mine claimed on the basis of painting the kitchen and maintaining the flower beds. Land Registry happily registered a caution against Title based on that too.Apologies if I'm sounding a little combative with replies, but this is something important enough to require specific, measurable information for.
Cost me £15,000 to make it go away. £1,000 for every month of cohabitation.
Vincefox said:
Interesting this comes up now. I could do with a little advice on my own (similar but not) situation...
-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
Providing you can prove that the money she pays to you each month is for general living expenses incurred by you both and not a contribution towards the mortgage you are absolutely fine.-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
If her contribution is in excess of her share of these costs she could claim she has been paying towards the purchase of the property or maintaining the property and this could give her a claim.
If you don't already have one I would suggest you set up a joint bank account and have her contributions paid into this, together with an equal contribution from you. You can then use this account for your utilities, shopping, holidays, clothing etc. - Anything that is a general living expense. Please remember that anything you purchase from this account will be jointly owned, so unless you want this then ensure this account is for consumables rather than assets (such as furniture or a car, for example).
You could then use your account to pay for the property related costs, clearly segregating the two.
Alternatively, you could both enter into a Cohabitation Agreement. Providing it is fair and that you both seek legal advice and have it executed as a Deed it will be legally binding on the courts. Given the current rules may change in the future it is worth while having it reviewed every few years to reflect both changes in your personal circumstance and the law.
Currently the joint account is the simplest and least expensive route to achieve what you are aiming for.
Julian
I'm no expert, but I have an inkling of an idea
If she is just contributing to bills (utilities, council tax and so on), could you just ask her for a bank transfer of 50% of each bill as it comes?
Then you'd be able to show each bill and the dates of the transfers and it would prove that she was just paying her way, not making any investment in the property
If she is just contributing to bills (utilities, council tax and so on), could you just ask her for a bank transfer of 50% of each bill as it comes?
Then you'd be able to show each bill and the dates of the transfers and it would prove that she was just paying her way, not making any investment in the property
JulianPH said:
Vincefox said:
Interesting this comes up now. I could do with a little advice on my own (similar but not) situation...
-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
Providing you can prove that the money she pays to you each month is for general living expenses incurred by you both and not a contribution towards the mortgage you are absolutely fine.-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
If her contribution is in excess of her share of these costs she could claim she has been paying towards the purchase of the property or maintaining the property and this could give her a claim.
If you don't already have one I would suggest you set up a joint bank account and have her contributions paid into this, together with an equal contribution from you. You can then use this account for your utilities, shopping, holidays, clothing etc. - Anything that is a general living expense. Please remember that anything you purchase from this account will be jointly owned, so unless you want this then ensure this account is for consumables rather than assets (such as furniture or a car, for example).
You could then use your account to pay for the property related costs, clearly segregating the two.
Alternatively, you could both enter into a Cohabitation Agreement. Providing it is fair and that you both seek legal advice and have it executed as a Deed it will be legally binding on the courts. Given the current rules may change in the future it is worth while having it reviewed every few years to reflect both changes in your personal circumstance and the law.
Currently the joint account is the simplest and least expensive route to achieve what you are aiming for.
Julian
I'm in the process of drawing up a Cohabitation Agreement right now. That's put my mind at ease.
Also, to the poster suggesting I keep her in a field, I'm already renting that space to the two friends whose wives took their homes off them.
JulianPH said:
Vincefox said:
Interesting this comes up now. I could do with a little advice on my own (similar but not) situation...
-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
Providing you can prove that the money she pays to you each month is for general living expenses incurred by you both and not a contribution towards the mortgage you are absolutely fine.-Own my own house in my name only.
-Never been engaged or married, never had children.
-Lived in it for ten years, over halfway through paying off.
-All bills are in my name exclusively.
-Savings/assets.
-Partner has moved in with me a couple of years ago.
-Some debt, no savings, no assets.
-Puts a small amount in my account by DD each month (not enough to cover anything that could be considered contributory to mortgage and very significantly less than it would cost her to rent somewhere) but obviously this can be traced as evidence based on bank details.
-Not engaged or married, not going to be.
-No children, not going to be.
So, my question is, (god forbid) she decides to leave at some point 5, 10 years down the road, am I covered as things stand or is there a specific document I should raise now to protect the property?
Apologies if this all sounds a little cold and calculating, but we've discussed it and she has no issue with signing anything whatsoever so thought it best to do my due dilligence now.
If her contribution is in excess of her share of these costs she could claim she has been paying towards the purchase of the property or maintaining the property and this could give her a claim.
If you don't already have one I would suggest you set up a joint bank account and have her contributions paid into this, together with an equal contribution from you. You can then use this account for your utilities, shopping, holidays, clothing etc. - Anything that is a general living expense. Please remember that anything you purchase from this account will be jointly owned, so unless you want this then ensure this account is for consumables rather than assets (such as furniture or a car, for example).
You could then use your account to pay for the property related costs, clearly segregating the two.
Alternatively, you could both enter into a Cohabitation Agreement. Providing it is fair and that you both seek legal advice and have it executed as a Deed it will be legally binding on the courts. Given the current rules may change in the future it is worth while having it reviewed every few years to reflect both changes in your personal circumstance and the law.
Currently the joint account is the simplest and least expensive route to achieve what you are aiming for.
Julian
Craikeybaby said:
The joint account thing is what I did when my wife (then girlfriend) moved into my flat. We mainly used it for food shopping, with anything for the flat coming out of my account. I did a fair bit of research, as did my best mate who is a lawyer and was concerned at the potential for her claiming half etc.
Yes, it can be a very effective route without the cost of the Cohabitation Agreement. I would recommend it to anyone.Gassing Station | Finance | Top of Page | What's New | My Stuff