How much mortgage should he be paying?

linz192

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~Beanie~

If you have always split the mortgage / bills in half then I don't think you can really change the arrangement now. He must have earned more than you whilst you were living together yet you didn't expect him to pay a larger share then.

I also think he is being more than fai in paying half the bills when he isn't actually getting any benefit from them (like TV and broadband). Have you toild the Council he no longer lives there? You will get a 25% reduction for single occupancy.

Whose name is the credit card in? If it is in your name, it is in your best interests to keep paying the minimum otherwise it will affect your credit rating.

Toughluck

He should pay half as the mortgage is your joint responsibility regardless of whether you are both talking to each other or not.

From a lenders point of view you may come unstuck. If you bought him out of vice versa does your income and outgoings warrant a lender just to release one of you? He is probably on £25K-£30K OTE pa and you are on around £20K.

linz192

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linz192

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beecher

Best bet is probably to sell up and move on - maybe you should focus your energies on selling up rather than arguing over the bills? You say that the best you hope to make is £2,000 and I'd be worried that this profit would disappear completely with house prices falling. If the credit card is paid out of any money you make, then I don't see how it is you who is footing the bill? I'm not sure what you're dead set against?

linz192

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beecher

Well from your ex's point of view, he must be wondering why he should continue to give you 'financial assistance' as you put it, when you've split up. Probably best to try to take a step back from your resentment about the break up of your relationship - I know it must be hard, but it seems to be clouding the issues.

The credit card debt's got to be paid somehow so I don't see why you think you'll be £500 up if it is paid now.

How much of your mortgage is left to pay, and what's a realistic figure you could get if you sell up - sounds like you're close to negative equity from what you've posted and it could be more a case of working out who pays the additional money owed, rather than worrying about having £1000 in your pocket.

linz192

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Trying_to_be_good

linz192

Take a step back from the situation, and give us the facts as simply as possible as it's not quite clear what the situation is:

Realistic value of the house:
Current mortgage owed:

If the credit card is in your name only, it is you they will chase for the debt, so you are lucky if your ex will pay half of the outstanding balance.

He should be paying council tax on the place he's living in now, so expect him to stop paying your council tax.

When you purchased the house, was the legal contract half each, or was it split differently?

Everyone here will try and help you find out where you stand.

linz192

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