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Relationship breakup

  • 11-06-2010 11:41pm
    #1
    Closed Accounts Posts: 1


    Me and my partner bought and extended a house together. The total mortgage is €480,000. The mortgage is in both names but the house is only in her name which was to allow me apply for planning elsewhere at the time. The last valuation of the house prior to the crash was €660,000. I'm almost afraid to get it valued today. On top of the mortgage I have added somewhere in the region of another €100,000 to the pot for the house. About two years ago my partner was made redundant and for various reasons hasn't worked since. I have made all payments for mortgage and all household expenses since. My partner left today and I am now left paying for a house I technically don't own as its in her name. She is unlikely to have any ability to pay for anything for quite some time and will probably need maintenance too. To add insult to injury, the property requires more work to make it salable which is going to have to come from me.
    I'm really looking for suggestions here as to what you think I should do. It seems I'm stuck with paying her mortgage for as long as she stays on social welfare ( which will be a long time) or until I go completely broke (Which wont take long at all). To cap it off, she took my daughter too and moved three hours away. I am now stuck in a massive house with nothing to do but work myself to the bone to pay for a house thats not mine! I would really appreciate some perspective on this as right now I cant see the wood from the trees. Yours...
    Stitched up good and Proper in the midlands


Comments

  • Legal Moderators, Society & Culture Moderators Posts: 4,338 Tom Young
    Mod ✭✭✭✭


    You need to speak with a solicitor I am afraid.


  • Closed Accounts Posts: 2,219 Lab_Mouse
    ✭✭✭


    Go to your local citizens advice bureau,you can free legal advice there.

    http://www.flac.ie/

    Best of luck


  • Closed Accounts Posts: 29,473 Our man in Havana
    ✭✭✭✭


    citizens advice bureau
    No, you need a real solicitor.


  • Closed Accounts Posts: 2,219 Lab_Mouse
    ✭✭✭


    I didnt say he wouldnt.With one visit to the flac centre he will have a good idea legaly where he stands which was what he asked in his OP.


  • Closed Accounts Posts: 8 lisawashere


    Lab_Mouse wrote: »
    I didnt say he wouldnt.With one visit to the flac centre he will have a good idea legaly where he stands which was what he asked in his OP.

    It is correct that the citizen advice bureau can inform but they also sometimes give bad advice. I do not think they are meant to give advice, just inform, but it depends on who is there when you come in- some of them are volounteers with no experience in legal field.

    I had the experience of going to the citizen advice bureau and apart from getting the information I was looking for I also received the opinion and thoughts of the person working there, about what I should and shouldn't do and what in his mind was good or bad ideas. It could be absolutely random whether that "advice" was good or bad, since he seemed to just be telling me his personal opinion on matters I had only been looking for information on how to go about making an application, and not whether I should do that or not. He basically told me it was a bad idea to apply for this, without knowing much about my personal circumstances. All I had wanted to know was how to make this application and where to send it.


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  • Closed Accounts Posts: 2,219 Lab_Mouse
    ✭✭✭


    Tom and haddock are correct about needing the legal representation if it cant be sorted amicably,the op might of got some peace of mind by going to the flac rather than sitting at home thinking of worse case scenario's.

    tbh the few times I have had to use the flac(for family law) they were spot on


  • Closed Accounts Posts: 2,062 dermot_sheehan
    ✭✭✭


    It is correct that the citizen advice bureau can inform but they also sometimes give bad advice. I do not think they are meant to give advice, just inform, but it depends on who is there when you come in- some of them are volounteers with no experience in legal field.

    I had the experience of going to the citizen advice bureau and apart from getting the information I was looking for I also received the opinion and thoughts of the person working there, about what I should and shouldn't do and what in his mind was good or bad ideas. It could be absolutely random whether that "advice" was good or bad, since he seemed to just be telling me his personal opinion on matters I had only been looking for information on how to go about making an application, and not whether I should do that or not. He basically told me it was a bad idea to apply for this, without knowing much about my personal circumstances. All I had wanted to know was how to make this application and where to send it.

    I think one can distinguish between citizen advice bureau, which are run by the government.

    and FLAC which is a charity whose volunteers are legally qualified and volunteer a couple of evenings a month. FLAC clinics often take place in citizens advice centres after hours.


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