Ex taking name off mortgage

babybean

Hiya, this probably isn't the right place to post but not sure which forum.
Have split with my partner, am pregnant with 2 kids already(all his). Think he will be wanting his name off the mortgage just through spite as things are so bad between us, although i will be getting the mortgage paid through income support after 13 weeks and have to try and pay till then on my own. Any one know anything about if i have anyway of stopping him taking his name off the mortgage and ordering a sale of the house? He shouldn't gain any money from a sale as i put the entire deposit down and we have only been paying the interest on the mortage. (can't bear to think about him trying to get half at the moment)
have heard things hinting he may not be able to till the kids are 18, but we are not married and can't find any info. x

tek-monkey

Are you married, or just partners? Not sure they can force a sale if kids are involved, as they need somewhere to live. He will have to pay maintenance towards the childrens upkeep as well of course, call the CSA if he's being a tool.

EDIT: Is he working? If you're on benefits not sure you'll get owt from maintenance? Or rather, him contributing won't change what you get I think? Either way make him pay, I ******* hate people thinking they can walk out on their kids without contributing.

Oldernotwiser

Unless you have enough income to service the whole mortgage, your lender will simply laugh at the idea of this!

babybean

Laugh at the idea of what?!? The mortgage will be paid through the income support mortgage help after 13 weeks. i only have to pay till then, so will try and arrange something with them to pay over a bit longer. i am just trying to find out if i can stop him taking his name off the mortgage? we are not married, he is working and i will be getting him to pay maintenance although i won't be any better off because it just reduces the benefit, but at least he will be forced to face his responsibilities.

SandC

I think you need to talk to your mortgage lender. I wasn't aware that income support would pay the mortgage if one of you is working and as you bought the house jointly then he is still liable. He can't just take his name off the mortgage, it isn't that simple hun.

Hugbubble

babybean wrote: »

i am just trying to find out if i can stop him taking his name off the mortgage? .

He can't just take his name off the mortgage as the debt is half his. Forcing a sale I'm not sure about though

opinions4u

babybean wrote: »

Have split with my partner, am pregnant with 2 kids

Nice to know you're having twins that aren't fathered by different men.

Or did I misinterpret that?

:rotfl:

(to answer your question, no lender will allow him to come off the mortgage. He is liable for it just as much as you are.).

eenysmum

Hi
I took advice on this recently and was told that if one person is working then income support won't pay the mortgage as it is a joint debt. They'd only pay if both people on the mortgage are unemployed. He signed for the debt and he is liable.

My advice to you is to get yourself a good solicitor and get armed with the facts.

b0rker

Income support will pay your mortgage for you if you are unemployed?!?!?

What does anyone bother working in this country any more!?!?

babybean

b0rker, helpful post, not!
Maybe i have no choice at the moment, i do not want to be claiming income support and if i could pay my mortgage myself i would! i am now a single mum of two pregnant with my third and on my own after my partner left last week, my children need a roof over their heads! what do you suggest?? not everyone has a family they can turn to for support.

Oldernotwiser

You need to sort the finances out with your partner as neither of you seems to have much idea of how things work.

If the mortgage isn't paid by him then the house may well be repossessed. IS won't pay the mortgage when one of the borrowers is working and a lender won't let a borrower just opt of his responsibilities.