Mortgage and seperation

dawn100

I have recently split up with my long term partner and I need some advice on my motgage and other things. Both names are on the mortgage but now he is refusing to pay. We have a child together as well. I dropped down to part time hours to look after our child and now the full time post no longer exists so i dont have the option, even if i had full time child care, to go back full time. Would it be the case that he would have to pay his half of the mortgage or more while me and his daughter live in the house? i have arranged to seek advice next week from a solicitor but now my partner is showing threatening behaviour I need to know where I stand asap. Any help or advice would be much appreciaed

cumbria_mortgages

As the mortgage is in joint names you are both liable for the full amount not 50/50. Your solicitor should sort something out for your payments but it would be worthwhile ringing your lender and explaining what is going on and they can possibly come to an arrangement with you for the payments before any start to get missed etc.

Hope this helps

Little_RAY

Dawn100 this is awful, I really feel for you in this situation.

I am by no means an expert - and trust me, one will pop up on here soon and offer you some helpful advice - but I suspect that the Mortgage company will not care either way who pays them as long as someone does (and there are two names on the mortgage who they will push for the money). However, it will effect his credit rating if you go into arrears with the payments, so it is actually in his interest to pay his share. I have a house with my husband who I am separated from, but thankfully he has always continued to pay the mortgage since he was living in the house and I wasn't (it's now rented out). However, at one point he was looking at taking on bankruptcy due to his failing financial situation - I begged him not to do this because we were financially linked and it would have ruined my credit rating (I have worked hard to have the good credit rating that I have). He is now much more financially stable and we are both grateful that he managed to get through some really tough financial times. Basically, if you have to make financial decisions that are likely to ruin your credit rating, then it will also have a detrimental effect on his credit rating... maybe he should be reminded of this?

Legally, he will have to contribute financially in some way because you have a child together. I have some friends who were not married, but had a mortgage and child together but then split up. The father was active in discovering what he should do to look after his child and the mother of his child. He remortgaged the house and gave her half of the money they had so far invested. Now he makes regular contributions to the mother for the care of his child... and all is well... except she still gets irritated by him!

I think that legally, the fact that you have a child together should push some buttons somewhere and you should find that he has to make some sort of contribution.

(But what an idiot! Sorry, but you should not even have to be worrying about this - I don't know him, but this just seems so selfish.)

Take care.