who owns this house

[snowballed]

husband never got house he built for us on his family farm to be in our name it is in his parents name now his dad is decesed , his mother mentally incompetant and greedy sister has Power of atorney. Gets very complicated. Can explain if anyone is interested but I think I have been basically deceived by my husband and his family. Not allowed access to husbands checking account for 20 years either and lived in house 18 years now only to learn I have no house and husband knew it all along. I see a therapist for depression and he calls this financial abuse and control and says it is wrong. Help me I feel deceived and lost for what to do. My life savings is sunk into this house that is not even mine I am discovering. I trusted my husband too mush.

[Miss Zippy]

On the face of it, this does look like a difficult and complicated situation. Do you want to do anything about it? The obvious risk is the effect is could have on your marriage. You could take discreet steps to find out what your position is regarding the house before deciding if you want to actually do anything about enforcing any rights you might have. If you have been led to believe that you owned the house (jointly with your husband presumably) and you have acted on this representation to your detriment (e.g. by spending you life savings on the property, which you presumably would not have if you knew it was not yours) then you may a claim on the property. It would be a good idea if you seek proper advice from a solicitor. If you visit your local citizens advice bureau first, they may be able to provide you with some advice and/or put you in touch with a suitable solicitor. Firstly though, it would be a good idea to write down the chronology of events over the years, including what you were told about the property ownership and what has led to your finding out that the house isn�t yours. Include as much detail as possible. This will be very useful when you visit the CAB/solicitor, who will need full and frank disclosure of all information so they can help you as best they can.

[TommyC]

I think you need a good Solicitor MUCH more than you need a Counsellor, because with the law on your side the depression will be kept much more under control. Don't worry - as long as you are legally married, you CANNOT lose everything in an English court of law, especially your home, no matter how complex the situation, because a good Solicitor and Barrister will soon cut through the crap to who exactly owns what legally. As a (presumably divorcing) wife you cannot be made destitute, as your husband has a legally enforceable obligation to provide realistic maintenance based on your previous situation, especially if it is clear you have invested money and been deceived. Choose a Solicitor specialising in property-law or marriage-law immediately, tell him everything, and pay whatever he advises to take it forward - you'll get it all back eventually (and probably considerably more) in Court.

[Maude]

I may be able to point your thinking in the right direction, if you would like me to try. Firstly, have you ever signed anything in connection with the ownership property, if so, very briefly, what? Secondly, have you ever received any correspondence from anyone regarding the ownership of the property, if so, very briefly, from whom and what? Thirdly, have you ever written to anyone about the ownership of the property, if so, very briefly, to whom and what? (I am away tomorrow so will deal with your reply on Friday).

[snowballed]

co sighned for a home equity loan twice in which husband used the money, we were co sighners and in laws primary sighners as they own the house. Recieved a letter frome the mortgage co. Litton Loan saying that my husband was incorrect in telling me the loan had to be paid off prior to getting the house in our name. No other corrospondance is known to me. It gets really serious in my best interest if you want to know more facts. I am certain I have been railroaded. The house I have been told by the county clerk is not listed as a house just as a farm building, More if anyone is interested

[snowballed]

More to Maude,the house has been inspected by the health dept. as required by law as a septic system was intalled. The water supply is basicaly illegal and I have ben warned to keep silent about this, house is supplied with spring water, husband reported to health dept. well water is in uas. A tax inspector has inspected the house. I believe I can clear up a previous statement, the house is listed as a house just not separate from the farm as far as ever being land surveyed, and acerage is undefined and not separate from the existing 300 acres. Why this is so I do not understand. Taxes? All other 6 farm family children have their homes and acreage separate and in their names, my husband is the youngest and for reasons of pure neglect on my husbands part our homestead is the only one kept in his parents name as part of the farm. I do not know why

[inferno]

You definitely need to talk to a solicitor - the advice you get here may well be accurate but you need to explain all the details to someone who understands property law.

[Michael H]

are you aware that this is a UK based forum? At a guess I would say you are in USA, perhaps Texas, where laws on property are a lot different to England. You should nevertheless contact an a lawyer right away.

[snowballed]

No Michael, I was not aware that this is an UK based forum. I am not very familiar with the inter net. Guess I am desparate for answers. No, Ohio is where I am not Texas May move to the UK. Seems at least people are very helpful over there. Thanks

[Michael H]

Good Luck Snowballed.. I hope things work out well for you.

[snowballed]

You are very kind Michael. Wish one of you was an attorney in Ohio (USA )I would hire you

[Maude]

Snowballed. If you wish me to continue, please say. Having come across it many times (it is quite a common matter) I understand your problem and can quite likely point you in the right direction. Whilst Answerbank is a UK based website people make contact from all over the world and it is not in the least bit exclusive to British people only. In the past 10 months I have solved three major problems on Answerbank from the US (and I have friends in Cincinnati!). I am near London, and the only thing to remember is that you are 5 hours behind UK - when it is midday with you it is 5 pm in the afternoon here).

[Michael H]

I agree with Maude, Snowballed. I wasn't trying to put you off posting here!! I really do hope you find the help you need to sort out this horrible situation your'e in.

[Snowballed]

Yes, Maude I do wish for you to help me.Anyone else can jump in also. I suppose I am more than desparate for information. I have been busy moving and had a lot of difficulty finding this site again. New at using a computer! The abuse I have suffered is also physical so I am most likely not moving back. However my therapist has urged me to get an attorney, which I would if I could afford one. The house is a very large expensive home with 300 acres. I do not want the house I just want my life back, however I am seeking justice of some kind. I do not know anything about the legalities involved. I am using my money to go back to school, I am an RN seeking my Masters degree to teach nursing. At the present time you could say I am not very financially sound. I don't know where to begin here. The house is in his parents name as is his Engineering Company and all the land, even his checking account is cut off from me.I never did have access to his money. I have always had to ask for money.Even for groceries. It is because I am so naieve that I have been so easy to control. The house has a paid off mortgage with both our names as co sighners. His parents were the primary signers. We paid the mortgage off.I have no proof that I should own this house with him. If you have any idea where I should begin please reply.Thanks, Karen