Paying the mortgage after a split?

Shelby1999

Hi, This is my first post and im desperate for some advice. My Husband and I have split up. I have moved out and have continued to pay half of the mortgage. The trouble is my finances have taken over and i dont know what to do, I've taken advice from a debt counsellor who basically told me that i have more going out than I have coming in and to offer each of my unsecured creditors £1 per month until I can get on my feet. I have done this. However as i now am paying rent and my mortgage i dont have enough money left to cover even the most basic of living expenses. I dont pay for anything other that the very essentials each month ie. rent with utillities and the half of the mortgage. I cant go on like this. My husband still lives in the property and I am happy to sign the house over (there is no equity). Can i do this? I have paid the mortgage for the past 5 months but am at a point where I just cant manage anymore. Ive applied for several 2nd jobs but I also work full time and its difficult to fit it all in. Where do I stand? Am i obliged to continue to pay the mortgage even though I'm not living there and havent been for several months? Do people usually come to arrangements whereby they are paying the same amount each month? i.e split the rent/mortgage down the middle and pay the same?

Sorry its long but im at my wits end.

Shelby

RAS

shelby

if you have split up, are you getting a divorce. These arrangment should be part of the discussions through your solictors.

Legally, you are fully responsible for the whole debt if he stopps paying, as he is if you stop paying, assuming it is a joint mortgage.