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Order for sale

31 replies

OutToGetYou · 03/08/2017 20:39

Trying to be brief:

  • split with 'dp' last Dec (not married)
  • own house as tenants in common, 50% shares
  • my half is 'owned' by me as I paid for it in cash
  • mortgage (c£60k, on a £360k house) is in joint names but we have a deed of trust saying he pays it and he always has done
  • when we split he immediately said he would buy me out to provide stability for his son (who is 16 and whose DM is the 'resident parent' to whom ex pays £500pm maints) - we chose to live here near to his son's school and moth (who has since moved a bit further away)
  • we are still living in the house 'together'
  • I put an offer on a property (after a couple of false starts) that was accepted around mid-April
  • I got a letter from his solicitor around the end of April/early May with the transfer deed, telling me to sign it and send it back
  • I responded by email saying I would not sign it until I had a date for exchange and also that there was a problem with how they set out the dates and to please confirm how they thought it would work - he has never responded to that email
  • I had already appointed both a conveyancing and family solicitor - the conveyancing sol has confirmed that I cannot exchange on a purchase until I have the money from ex in case he does not provide it on completion, and I agree with this
  • my family solicitor also agrees - she has contacted ex's solicitor three times now about this issue and his response 1st time was 'we're waiting for the transfer form', the second time it was 'I'll ask client and come back to you'
  • I have tried to speak to ex about this - firstly around 4 weeks ago, when he said he understood the problem and would instruct his sol, as far as I and my sol can tell he did not do this as his sol has not changed his stance from 'we're waiting for the form' (as an aside, the form is lodged, signed, with my sol, ready to go when needed)
  • I spoke to ex again yesterday to say time is now of the essence, we're looking to exchange next week and I cannot exchange if no money from him (my sol has suggested the mortgage be drawn down and held in escrow until my completion, which seems reasonable - I'd be happy to split any extra interest costs that arise, it should only be a few days)
  • he has been 'too busy' today to speak to his sol, despite not getting out of bed til after 10am (most days I am out of the house from 6am to 8pm but today i had an offsite meeting and didn't need to leave until 11am)

So, I think I now have to pull out of my purchase and go to court for an order to sell. I can't see any reason it won't be agreed. Ex earns c£80k, plus c$20k share options per year. His son does not live here and has barely been here at all since January, and even if he did, he is 16, not 6.

So, my question is, how do I start that order and how much does it cost to lodge?

Unless anyone can think of any other options? I am at the end of my tether living with the cunt.

OP posts:
OutToGetYou · 07/08/2017 12:09

Aaargh, the EA has just phoned to say they want to exchange today, after 4 months of hearing more or less nothing - and no way can ex be ready!

OP posts:
Lucysky2017 · 07/08/2017 12:31

So can't exchange today as your ex has not remortgaged with your solicitor holding the money you need for your purchase. Do you have a family member who could fund the purchase (unlikely). Your mortgage company presumably won't let you exchange until your ex has released the funds from your property.

My daughter recently bought a new flat and was able to exchange the day before on remortgage of her first one on a buy to let loan, release of those funds into ther solicitor's account on the Thursday and then on the Friday completed her new residential mortgage on the new flat she now lives in. The order had to be mortgage on first flat first so they were certain that lender in that case was giving her the buy to let loan and only when that was 100% certain could her solicitor then exchange the next day on the purchase of the flat she now lives in where she has her new residential mortgage. The problem you have is the awful ex is messing you around but it's essential he proceeds with the remortgage and release of funds before you can buy.

Could you take on a tenancy of the property you want to buy instead and live in it until you can exchange on it? We offered that to the couple selling my son their house in case they could not exchange in time on their purchase of their newer bigger house. In the end there was no problem as both exchanged on the same day.

OutToGetYou · 07/08/2017 12:44

It's nuts.
So, I don't have a mortgage so that's one less complication.
I can send my money to the sol today I think (can't recall how to do a CHAPS payment but it can't be hard). It's all in my current account.
Ex won't be ready, I think he's out today anyway. I sent him an email last night outlining what he needed to do and he has not responded (I told him I'd sent it and he just walked away).
It's more that the mortgage money can't be held more than a couple of days, I understand.

The completion date is still 16th, so that can still happen, they'll just have to sit on their hands a few days til I can exchange.

It was a bit of a shock to be told everyone was going ahead today when I've heard nothing about an exchange date.

I'm terms of family member - not really. My parents would have the money, but last time they gave me some money they drew a bankers draft, so......it's not really going to help with timings! :)

OP posts:
OutToGetYou · 17/08/2017 00:04

After much much stress, and rank incompetence by my solicitor, we exchanged today and we complete Friday. Yay!

OP posts:
traviata · 17/08/2017 21:02

great news Smile

soon this will all be a dim and distant memory

OutToGetYou · 18/08/2017 21:23

Thank you, all moved and cuddling the cat in peace and quiet with no anxiety. :)

OP posts:
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