Me and my ex partner met in 2018 and seperated in July 2021. We were not married. While together, we agreed to sell our individually owned properties in aim of purchasing a property together. I sold my property in Sept 2020 - receiving £123,000 equity and she sold her property in Nov 2020 - receiving £550,000 equity, although initially she had told me she was receiving the full sale price of £740,000. She had also told me she was receiving £200,000 from her divorce settlement. Based on the money I was to believe we were receiving, we discussed the idea of buying a BTL property. Before buying our residential property for £550,000 and agreeing with a building contractor to spend £180,000 to fully renovate the property, I obtained advice from a mortgage advisor, regarding how best to own the properties, in aim of obtaining tax relief etc. He recommended buying the residential property in my ex partners name and the BTL property in my name. At this times I was under the belief that my ex was receiving £740,000 for her home and the £200,000 from her ex husband, therefore it was agreed she would pay the purchase and all renovation costs to our residential property. It however materialised, after the purchase and the gutting of the property, that my ex partner was only entitled to £550,000 from the sale price of the marital home and was not receiving the £200,000 additional settlement figure. This left her able to buy the property but with no money to renovate it. We agreed to work through our relationship and to take out a joint mortgage of £180,000, in Dec 2021, borrowed primarily against my salary as she worked part time and for me to invest the proceeds from my own house sale to renovate the property. I was agreeing to pay all mortgage costs, renovation costs, including project managing the renovation, and for non return of a £17,000 loan I had given my ex partner after the completion of my own house sale, in return for a 40% share in the property and to be added to the title deeds. This was agreed verbally between us. We then proceeded with our mortgage application but my ex partner did not agree to sign the mortgage when agreed in March 2021. While the renovation was going on we rented a property nearby, which I moved out of in March 2021 in aim of us having some space due to the pressures put on us from the recent revelations of her lies. We still stayed together. I had used all my money by this point on the renovation costs. My ex partner did also contribute by taking out a development loan, until such time the mortgage had been agreed. My ex partner moved into the property in May 2021 but told me in July 2021 that she was in fact going to sell the house due to the ongoing issues with the builders, who were still working on the property. She agreed to then repay me my share of the property as agreed. We however seperated in July 2021 and I found out that she had in fact taken out a joint mortgage with her son in July, therefore had no intention to sell the property. I have tried contacting my ex partner regarding the money owed but she does not respond. They were only able to obtain a mortgage due to my initial investment as they did not have the borrowing power to obtain a mortgage at the beginning. I have evidence supporting points mentioned above.
I am looking for someone to send an initial letter requesting 40% of the property and then, in the event she does not agree to this, then a follow up letter requesting a return of all money I invested (I have proof) and all losses due to her lies and me acting on information she had told me. I do in fact have a full account and evidence relating to the events which can be used and adjusted for the letters. Regards, Patrick
