Ok, thanks Charles.
She has never transferred any money to me for bills or mortgage.
I have always paid everything.
I have already offered her an amount through my solicitor to try to save any more hassle and I'm waiting to hear from her.
Her solicitors are claiming that because I had included her on my life insurance for the house that proves that she has beneficial interest in the house.
Would this hold up in court?
I was paying for the insurance, as we were in a relationship I included her also.
This has nothing to do with my equity does it?
It's not an angle I've heard before but it rather depends upon why you included her. If the reason suggests the reverse of what she is claiming, the rest of the evidence will back that up.
I guess an easy explanation is "if the life insurance was meant to indicate a joint beneficial interest, why was the property registered in your sole name and why did you remain responsible for all payments with no contributions from any other party?"
I experienced something similar with my ex boyfriend who tried to say he had a beneficial interest in my property. He was trying constructive agreement. He did not contribute towards the mortgage or bills or house deposit. Plus we have one child together. My solicitor quickly shut this down. It would be very expensive for your girlfriend to take you to court and she would have a slim chance of winning as she is not on the deeds and has not contributed towards the mortgage or deposit.
This seems ludicrous, basically you had a gf who lived with you for a couple of years, you broke up, she has to move on, she has no legal claim on you and dont believe what you hear from the solicitors, remember they are acting for her, they are scraping the barrel.
If she had a case think of how many people this would affect? Thousands live together for a short while then split up.
I think however you will be wiser next time my friend... unfortunately.