Practical advice please

[Weasel2020]

So my partner of over 4 years has ended things. Tbh he hasn't been great to me for a while, I can't remember a time when he woke up and said anything positive about me. 'Anyway, he owns his house outright and has been dragging his feet about giving me security. He never wanted to get married which I was OK with but I wanted to go on the deeds before children entered the mix.

I work full time and earn £27,000 a year. I was in bad debt a few years ago (over 17,000) which I fully paid. I have defaults and CCJ's though and no family to stay with as my parents live abroad. I have no savings and can't get a guarantor plus I am completely priced out where I live when it comes to private renting

I plan to talk to citizens advice tomorrow but after researching I guess I need to the following

Register as homeless
Be put in temp accommodation

I doubt I will get a council place but I have read they will probably help with costs? Because of my past credit history and now no credit history I know agents won't touch me

I have told him I want £20,000 to leave. I currently pay a loan for home improvements but it's in his name and I will use this money for IUI or ivf as I'm 39 and it's my last chance at being a mum. We were planning a family and after a full term stillborn (not his) and 2 miscarriages (his) it's the least he can do

Anyone been through something similar or can advise if what I have read is right?

I'm really sorry for your losses. But... what? Are you planning to have IVF to have his baby, even though you've split, or someone else's? Either option sounds preposterous to me. Surely you need to get your living situation sorted before planning a baby?

If I've read it right you are not married and have no children - so why does he need to pay you to move out? Have you supported him while he works/builds up a business or something similar? I'm confused.

Look on spareroom.com (or co.uk) for a house share. He doesn't owe you anything. You have essentially been his lodger for however long you've lived together. It's his house. If you're very lucky he might help you towards your first months rent or deposit on a house share, though that's up to him.

I think Citizens advice is a good call re the legalities of separating, I’m not sure what you’ll be entitled to legally and he may not be obliged to give you a penny.
Ivf, or IUi in your situation is not the best idea however.
Use any money you get from him to sort your living situations first.

Yabu and really very grabby unless you paid him rent and paid for the renovation you don't have a leg to stand on legally or morally

In the short term can't you join a house share or become someone's lodger? That would be much cheaper than trying to rent somewhere outright and you're less likely to have to stump up a huge deposit

I don't really understand why you think he owes you £20K. Stop paying the loan that is in his name and walk away. You were 35 when you met and 39 now so unless there is a huge back story you can't really blame him for your financial situation now.

IVF isn't really an option unless you get yourself in a more stable situation with housing etc

Why on Earth should he give you money to leave? He doesn't owe you anything.

Yes to speaking to Citizens Advice and try to speak to the council housing dept to see what they can help with. Other than that, pull yourself together, look for rooms to rent / house shares.

Do not bring a baby into this mix when you have nowhere to live

Why do you think he should pay you?

You want him to pay you £20,000 for your two miscarriages? So you’ll leave? And then you’ll have IVF with it? I’m sorry but have you lost your mind?

I’m sorry your credit and finances are so bad but you don’t pay people to leave when you end a relationship.