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    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Take over mortgage


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Hi

I am living with my partner in a house that she co-owns with her ex. At present I am paying half the mortgage and the council tax.

The ex would like to sell to me and I would like to buy.

By my estimation the house is worth £200k. And there is around £100k to pay.

He would like half of his deposit (£20k) and half the equity Around £25k. This is all sounds reasonable to me.

How do I go about things?

I am still officially married to my ex. Do i need to be divorced to move forward?

Could she possibly make a claim on the house?

If she did...would she need to involve a solicitor?.....She wouldn't have the funds to do this

 

My credit history is less than perfect so is a concern?

Will I need to add my own deposit? I can put down around £15k

I presume this will be a new mortgage?

Do I go to my bank or a mortgage broker?

The mortgage is under one bank and I bank with another....is this still ok? Ie will I need to change banks?

It's been all very amicable, I pay him monthly...that's as far as our relationship go's. He has given us til September 2019 to have a plan.

Either sell or buy from him. Ideally we would like to stay put.

I have little or no knowledge of mortgages and how they work so any help is greatly appreciated

Edited by bristolred
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Thread moved to the appropriate forum...please continue to post here to your thread.

 

Regards

 

Andy

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to try and answer some of your questions in a logical order

do you need to divorce? no

can your estranged wife claim on property? Yes

Will I need my own deposit? No

It will be a joint mortgage so your history is only part of it.

The process will effectively sell the house owned by your new partner and her ex to her and you so all this he wants his deposit back plus £25k isnt how it works as the ownership is set by the type of tenancy entered on the Land Regisrty

 

Mortgages can be with anyone, you wont need to bak with them and nor will new partner.

Why are you paying her ex, the money should go towards the debt so he is getting paid twice.

 

Ithink you need to understand a little more about the process.

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