Couple break up, what to do with flat rent etc.... Advice please - HotUKDeals
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Couple break up, what to do with flat rent etc.... Advice please

jasonodell Avatar
5y, 7m agoPosted 5 years, 7 months ago
Two good friends have just split up, after living together for just 7 months.

They'd been together years, so it wasn't rushed.

They are renting atm, Rent + Bills etc come to roughly £1k

She's turned around has had enough etc, wants to move out, He wants to stay there.

He's earning £1k take home a month, so will struggle monthly.

Who can he speak to about help with the financing? Previous Credit rating isn't the best. I've suggested CAB, but not sure after that.

Contract with rent is for 12 months, so i'm not sure how that would work either.
jasonodell Avatar
5y, 7m agoPosted 5 years, 7 months ago
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Comments/page:
#1
Did she sign a joint tenancy agreement?
#2
MBeeching
Did she sign a joint tenancy agreement?


Yes it's in both names, so yes, they're both in it together.
banned#3
Surely if her name is on the tenancy too she can't just leave and pay nothing

Cab is your friends best bet, cos you'll probably get lots of advice , most of it wrong on here :p
#4
If it was a joint tenancy, they're jointly liable for rent until the 12month initial contract is up. As for bills etc, it depends who is the named acount holder, if it is just 1 or both of them. If both, they are both liable until the the date one of them moves out/requests to be taken off the account.

As for your mate staying there - if he's going to struggle financially, he'll need to move out and find a cheaper place, whether he wants to or not. I very much doubt he'd receive any financial assistance, he just needs to go with what he can afford.....
#5
civms47
If it was a joint tenancy, they're jointly liable for rent until the 12month initial contract is up. As for bills etc, it depends who is the named acount holder, if it is just 1 or both of them. If both, they are both liable until the the date one of them moves out/requests to be taken off the account.

As for your mate staying there - if he's going to struggle financially, he'll need to move out and find a cheaper place, whether he wants to or not. I very much doubt he'd receive any financial assistance, he just needs to go with what he can afford.....


It's pretty low band as it is, £495 for initial monthly rent's cheap in our area.

As it's a council flat, he's going to try and see what they can help with.

But I agree, it's a joint problem. She wants out, he loves the place, because it's independence.
1 Like #6
jasonodell
civms47
If it was a joint tenancy, they're jointly liable for rent until the 12month initial contract is up. As for bills etc, it depends who is the named acount holder, if it is just 1 or both of them. If both, they are both liable until the the date one of them moves out/requests to be taken off the account.

As for your mate staying there - if he's going to struggle financially, he'll need to move out and find a cheaper place, whether he wants to or not. I very much doubt he'd receive any financial assistance, he just needs to go with what he can afford.....


It's pretty low band as it is, £495 for initial monthly rent's cheap in our area.

As it's a council flat, he's going to try and see what they can help with.

But I agree, it's a joint problem. She wants out, he loves the place, because it's independence.


If the rent is only £495, what is the other £500ish being spent on!?!

Mine is £450 and totals around £600 after bills/council tax.
#7
My brother broke up with his girlfriend, as it was his choice to move out before the tenancy agreement had finished he continued to pay his half for a few months whilst she still lived there until the agreement allowed them to officially move out without penalty.
Seems only fair as he broke her heart.
#8
CT, Food, Gas, Water, Electric, Petrol, Phone Bill, Sky etc etc. Adds up.
2 Likes #9
jasonodell
CT, Food, Gas, Water, Electric, Petrol, Phone Bill, Sky etc etc. Adds up.



Sky can go as its a luxury item (_;)
#10
He should either ask to end the tenancy earlier and quit or advertise for a flatmate. Doubt if the CAB would be any help, they are more for people who are struggling with debt issues which your friend isn't - yet.

Agree with above, Sky should go straight away. I earn way more than your mate but I don't have it. He'd have to pay for petrol and food wherever he lived.

Edited By: tallpete33 on Apr 12, 2011 17:16
1 Like #11
jasonodell
CT, Food, Gas, Water, Electric, Petrol, Phone Bill, Sky etc etc. Adds up.

Bin Sky he wont die without it, and be frugal on the rest. I agree it all add's up but an extra £500 can be cut down massively if done properly.

Edited By: Skyebee on Apr 12, 2011 17:17
#12
choc1969
jasonodell
CT, Food, Gas, Water, Electric, Petrol, Phone Bill, Sky etc etc. Adds up.



Sky can go as its a luxury item (_;)


Skyebee
jasonodell
CT, Food, Gas, Water, Electric, Petrol, Phone Bill, Sky etc etc. Adds up.


Bin Sky he wont die without it, and be frugal on the rest. I agree it all add's up but an extra £550 can be cut down massively if done properly.


Do they still make you sign a 12-month contract when you first join? He could be part-way into a 12-month contract...
1 Like #13
he can get 25% off his council tax i think as he will be alone?
call sky tell them situation and ask for help-likewise phone
food-my son has a freezer and fills with short-dated stuff and eats well cheaply
petrol-if the car isnt cheap to run swap it

If she signed the lease she should pay til 12months which gives him breathing space to mak changes too...and he should be able to live on £1000 a month-many families do!


oh and start looking for stuff to sell! all you youngsters seem to have stuff (_;)

Edited By: plumberman01 on Apr 12, 2011 17:25
2 Likes #14
These are various methods I've employed to save money in 'challenging times' :

Council Tax can be reduced by 25% for single occupancy, the sooner you tell them, the sooner they do it.
As stated, ditch sky if possible - freeview coverage should be much better as of this week.
Ditch mobile contracts where possible and switch to PAYG
Ditch landline unless really needed
Try to Car share if walking or cycling to work are not viable options
Check uswitch.com to be sure fuel bills are as low possible and switch tariffs if possible
Buy and cook food in bulk, freeze extra portions. (don't shop when hungry either!)
Don't buy lunch out, take sandwiches/leftovers.
Learn when local supermarkets do their reductions and where they then hide the reduced items then stock that freezer with cheap goodies.
Any outstanding debts/loans etc - look for interest free balance transfer credit cards to gain some breathing space - still possible even with a less than great score
Learn to make foods from scratch, don't buy ready made sauces etc.
Cancel Gym memberships - jog in the park instead
Cancel magazine/newspaper subscriptions

Bottom line - Joint tenancy = joint liability for rent.
#15
gottalottabottle
These are various methods I've employed to save money in 'challenging times' :

Council Tax can be reduced by 25% for single occupancy, the sooner you tell them, the sooner they do it.
As stated, ditch sky if possible - freeview coverage should be much better as of this week.
Ditch mobile contracts where possible and switch to PAYG
Ditch landline unless really needed
Try to Car share if walking or cycling to work are not viable options
Check uswitch.com to be sure fuel bills are as low possible and switch tariffs if possible
Buy and cook food in bulk, freeze extra portions. (don't shop when hungry either!)
Don't buy lunch out, take sandwiches/leftovers.
Learn when local supermarkets do their reductions and where they then hide the reduced items then stock that freezer with cheap goodies.
Any outstanding debts/loans etc - look for interest free balance transfer credit cards to gain some breathing space - still possible even with a less than great score
Learn to make foods from scratch, don't buy ready made sauces etc.
Cancel Gym memberships - jog in the park instead
Cancel magazine/newspaper subscriptions

Bottom line - Joint tenancy = joint liability for rent.


omg are you my son? this is almost exactly what he does! he doesnt have a tv tho so no licence either!
#16

Who can he speak to about help with the financing? Previous Credit rating isn't the best. I've suggested CAB, but not sure after that.


What kind of financing?
#17
thesaint

Who can he speak to about help with the financing? Previous Credit rating isn't the best. I've suggested CAB, but not sure after that.


What kind of financing?


Benefits.....
#18
gottalottabottle
These are various methods I've employed to save money in 'challenging times' :

Council Tax can be reduced by 25% for single occupancy, the sooner you tell them, the sooner they do it.
As stated, ditch sky if possible - freeview coverage should be much better as of this week.
Ditch mobile contracts where possible and switch to PAYG
Ditch landline unless really needed
Try to Car share if walking or cycling to work are not viable options
Check uswitch.com to be sure fuel bills are as low possible and switch tariffs if possible
Buy and cook food in bulk, freeze extra portions. (don't shop when hungry either!)
Don't buy lunch out, take sandwiches/leftovers.
Learn when local supermarkets do their reductions and where they then hide the reduced items then stock that freezer with cheap goodies.
Any outstanding debts/loans etc - look for interest free balance transfer credit cards to gain some breathing space - still possible even with a less than great score
Learn to make foods from scratch, don't buy ready made sauces etc.
Cancel Gym memberships - jog in the park instead
Cancel magazine/newspaper subscriptions

Bottom line - Joint tenancy = joint liability for rent.


You missed off the bit about joining a monastary.
#19
choc1969
jasonodell
CT, Food, Gas, Water, Electric, Petrol, Phone Bill, Sky etc etc. Adds up.


Sky can go as its a luxury item (_;)

i would go as far as to say the phone (land line) is not necessary as many people have mobile phones. Keep the broadband if possible.
#20
These pages might help with the food bills -

Pasta

Curry sauce
#21
I work at CAB - he should go there.

Alternatively housing benefit (although needs to check local housing allowance rates), single person discount on council tax, possibly working tax credit?

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