Advice re separation & mortgage

Hodgy8403

I'm after any advice, favourable to me or not, but I do need some help quite urgently.I'll keep the overview as simplistic as possible, and try not to mention facts that aren't really pertinent...and hopefully the advice will be based on the situation as it is now, not apportioning blame etc.

My wife & I had to get a 100% mortgage a few years back from Northern Rock,when I was discharged from the RAF, and we had a loan attached to it (unsecured).
Last year (May 08) my wife decided she'd quite like me to leave our house as she was having an affair, so I moved into a rented house. She had one of her friends move in to help with the mortgage and I paid £200 per month to cover my half of the loan and insurances and pay a little off combined CC debt.

Her friend moved out in Feb, so I upped my payment to cover half the mortgage (£475). I did try to reconcile through Relate etc, but the grass was obviously greener in her eyes, so that didn't work. Now I've moved in with my current partner and I'm paying all our rent £675 plus food money etc (she pays Council tax & bills etc as she can only work 20 hours p/w), £250 to my wife & a loan of £200 pm that I took out to help myself out last year.

Now, my wife is saying she'll only pay half the mortgage (as she is struggling)and if it gets repossessed, Northern Rock will come after me for the debt, as the mortgage is in joint names. I'm aware that I'm partly liable for the debt, but she won't give me the chance to take over the house & mortgage, she'd rather we lost everything than be reasonable and move out.

Where do I stand, I don't want to see her out on the streets, but it would make sense to me for her to move out and I'll take over. I know full well that if I go down the legal route, firstly I can't afford solicitors etc, and secondly things will get even worse between us. I've tried so hard to help out, but I can't afford to anymore. The marriage breakdown is the fault of both of us so I'm not blaming her solely, but she wanted me out of the house, so I moved in the hope that we'd be able to work through it. I'm getting quite stressed because my partner is constantly on about sorting the problem, and my wife is refusing to be reasonable.


PLEASE ADVISE ME!!!!

Thanks

Paul

BIG_BROTHER_WORRIES

Sorry I can't offer financia advice as such.
(my finances are dire enough as it is):rolleyes:

However, how the hell your wife could turf you out of your home is
beyond me. If that happened to me,I would turf her out
and buy myself a large angry dog or 2 to make sure she doesn't return.

Financially,legally I thought that basically the woman gets half of
the house(unless kids are involved etc.)
If it were me I'd sell the house , go 50/50
and move on to better things .

Now you can wait for the real advice;)