Evidence of Cohabitation

We are applying for my wifes FLR (M) . We are having a little bit of a panic. We thought we were quite forward thinking when it came to collecting mail. Sadly we have realised that we may have misplaced some of the earlier pieces of mail, possibly in our recent house move. We haven't quite got the full two years of evidence of cohabitation. We have spaced it out the best few can with the following.


October 20 - Joint Council tax letter
July 20 - Bank letters (Both)
April 20 - Broadband Bill (Her) and Electoral Register Letter (Me)
January 20 - Bank Letters for each of us (Both) X
October 19 - Joint Bank Statement (Both)
July 19 - Joint Bank Statement (Both)
April 19 - Joint Bank Statement (Both)
January 2019 - Nothing...
October 18 - Nothing...

If I attach a letter with reason as to why its missing, will this suffice?

The second thing is the fact we recently bought our flat in February. We don't have any mortgage statements but we have a copy of our mortgage agreement and paperwork from our solicitor and title/register deeds from the Scottish Register with our names as evidence of ownership. Should this suffice as an alternative to the mortgage statement?

Thanks for all your help guys, don't know how people do this without this forum!

If you have misplaced some of the documents, that isn't an issue, as long as you explain the reason why in a letter.

Having said that, if you are using the period October 2018 to October 2020, your documents need to be from the following months, spaced every 4 months:
Oct 2018
Feb 2019
June 2019
Oct 2019
Feb 2020
June 2020
Oct 2020

But at the moment, you only have documents from the following months:
Oct 2020: Joint Council tax letter
Oct 2019 - Joint Bank Statement (Both)

Do you not have any mail at all from February and June of each year?

If not, you might be able to get away with using the following instead, but the reason for the incorrect months and uneven spacing would need to be explained:
July 20 - Bank letters (Both)
January 20 - Bank Letters for each of us (Both) X
July 19 - Joint Bank Statement (Both)

However, using those would only give you 2 sources (bank and council tax) and not the required 3 sources.

The second thing is the fact we recently bought our flat in February. We don't have any mortgage statements but we have a copy of our mortgage agreement and paperwork from our solicitor and title/register deeds from the Scottish Register with our names as evidence of ownership. Should this suffice as an alternative to the mortgage statement?

That's fine. You just need to include:
- Land Registry
- mortgage agreement
- latest council tax statement

If you have misplaced some of the documents, that isn't an issue, as long as you explain the reason why in a letter.

Having said that, if you are using the period October 2018 to October 2020, your documents need to be from the following months, spaced every 4 months:
Oct 2018
Feb 2019
June 2019
Oct 2019
Feb 2020
June 2020
Oct 2020

But at the moment, you only have documents from the following months:
Oct 2020: Joint Council tax letter
Oct 2019 - Joint Bank Statement (Both)

Do you not have any mail at all from February and June of each year?

If not, you might be able to get away with using the following instead, but the reason for the incorrect months and uneven spacing would need to be explained:
July 20 - Bank letters (Both)
January 20 - Bank Letters for each of us (Both) X
July 19 - Joint Bank Statement (Both)

However, using those would only give you 2 sources (bank and council tax) and not the required 3 sources.

I have a lot of mail from now all the way back until April 2019

As an alternative I could do the following...

Oct 2018 - Nothing….
April 2019 - Joint Bank Statement
June 2019 - Joint Bank Statement
Oct 2019 - Bank Letter (ME) and Broadband Bill (Her)
Feb 2020 - Joint Bank Statements
June 2020 - Joint Bank Statements
Oct 2020 - Joint Council Tax Letter

This looks like it covers 3 sources. I can just clarify in my letter I understand I need 2 years of cohabitation evidence but sadly misplaced mail from before April 2019? That can explain the odd April 19 Mail addition.

That's fine. You just need to include:
- Land Registry
- mortgage agreement
- latest council tax statement

I have the land registry sheet at the start of the title documents (Does it need to be in colour?)
I have the latest council tax statement and a copy of the mortgage agreement/offer.