Name on land registry

[everylittle]

Recently split up with my partner and father of our 2 children after he assaulted me. I am still living in the house we purchased together 12 years ago and have a joint mortgage on. I am finding it very difficult to keep up with the bills (receiving child tax credit and child benefit) no csa money or ESA atm. I am thinking of moving into smaller rented accommodation and asked my ex partner if he would consider buying me out. He has since informed me that it is 'his' house as its only his name on the land registry. Is this correct?

[rockyracoon]

Not if you've got a joint mortgage I don't think. You can check here

http://www.landregist...erty-or-piece-of-land

[woofgang]

Are you sure he isn't telling porkies? When DH and I had a mortgage with both our names on, both our names had to be on the land registry details as well.

[bednobs]

is it an actual joint mortgage or do you just pay half? (does the paperwork come in both your names?)

[everylittle]

Hi bednobs. It's an actual joint mortgage. The account is in both our names.

[bednobs]

then it's extremely unlikely you are not on the land register. Use rocky's link to check

[ladybirder]

My name wasn't on the Land Register nor mortgage documents but I won half in court. I could prove I had put down substantial deposit and was looking after children (ours) which enabled him to work. This was in early 60's and things have improved greatly for women since then.

[everylittle]

I have checked and it's just his name. How could this be as I have been on the mortgage since day one. Could this also mean that I'm not entitled to half the equity?

[rockyracoon]

I'd get legal advice pronto.

[everylittle]

Thanks, but I can't afford a solicitor, that's why I'm asking on here.

[rockyracoon]

I think regardless of responses on here, you'll still need legal representation.

[ubasses]

Go and see someone at citizens advice bureau, they will be able to give you some basic advice of where you stand and what you will probably be entitled to.
I am surprised though, as when doing Mortgages pre retirement I would not have lent money to someone whose name was not on the Deeds. The other way round would be ok as long as the second party signed a Letter of Consent.

[EvianBaby]

Get an appointment with your nearest CAB. It's free and they may be able to tell you if you are entitled to legal aid.

[rockyracoon]

You could try going to the solicitor that did the conveyancing, I think it would be them that would have sent the documents to the Land Registry.

[woofgang]

He might have changed it since. On the deeds can you see the mortgage charge? There should be a bit that says that whatever the name of your mortgage provider is, has a charge on the house.

[hc4361]

Near impossible without the bank's consent and her signature, woofgang.

[woofgang]

I know, but near impossible isn't the same as impossible