Last edited: Sep 13, 2018 There are so many couples in this situation. Your x is really trying to control you and as you are with some else he feels you cannot do anything without him. He will have the bank after him and they can put an attachment order on his wages as well as rtb. He will never be able to get finance if he goes this way. Get the house in your name if you can afford it. Tell the bank you have been paying a while. you may have to pay off the x but you need legal advice on this. Do not go in to a hearing without a solicitor(with rtb experience) with you. You will fall at the first hurdle. It is worth every penny and you can offset it against your tax bill. There are a few landlord associations and one advertises solicitors that can help in your situation. You can agree a payment plan with your solicitor as long as you stick to it you will be fine. Make sure you submit all your evidence before you attend the hearing(it is court) and the x tenants could say you are not allowed to show what you have with you. did you allow them to sublet. If not that is another thing against your x tenants. Get your builder boyfriend to give you an invoice with vat. He must flesh out what he did to repair the house in his invoice as much as he can. His bill can be labour only. You bought the materials to get it back in order. Do not mention he is your partner as you are not allowed to put bills in that are your own. He will be seen as bias. See if he can go with you so he can give verbal evidence(make sure you tell rtb he will be attending the hearing. You have photographs. Scan them and send them over to rtb. Make a log of all the calls you have and any texts you have with x tenant. If they have been late with rent/anti social etc then put on our log. Include any text calls that you offered the house back to tenant. If you get a fine you can appeal that you cannot afford to pay it as you are in your situation family mortgage rent etc... You have a bill from the agency for advertising the sale etc. Have a chat with them and ask if they would write something extra for you eg state of the house when they viewed to sell. If they let the house out for you then see if they can go with you to the hearing. They would know that your x partner was going for the sale and then changed his mind. Have your ducks in a row. You have not done the statutory declaration but you did offer the house back. That will reduce the fine somewhat. X tenants that damage houses should not have the option of going back into a property. What a stupid system we have here. Hope this helps you some way.