Advice Needed Please

nicjm28

I have a joint mortgage with my ex and 2 kids, my ex is refusing to pay any towards the mortgage n pays £140 a month for the kids, with me being on income support I cant make the full payment each month, is there anything I can do to make him pay sum towards the payment?? Hes working full time on about 17k a year

Kayalana99

If your staying in the house mortage payments are your responibilty..he owns 50% and is entitled to actally charge you half rent to live thier(which counter acts the mortage payment)...you cant expect him to pay out for rent elsewhere and then on top help you with your bills but I *belive* which I have got from this form he cant force you to sell the house till both children are 18 (You might have to through courts to get that right tho) but if you can't afford the payments it might be worth looking to sell it and rent? You get housing benifit if your renting but not towards your mortage so even if renting seems more expensive you would get help...

Arent you getting all your benifits? You should have enough through them unless your mortage is OTT?

£140 seems a bit low...I doubt it would be much more but have you ran it through a CSA calucator to see what your entitled to?

BitterAndTwisted

£17k isn't enough money to run two households and it's foolish of you to believe that it could.

19lottie82

The CSA guideline (20% of take home wage) for 2 kids, based on his salary is £234.80. He should be paying you this (unless he takes the kids overnight, then the amount will be reduced slightly for every night per week, that he has them) , but you can't force him to pay the mortgage I'm afraid.

And as B&T says, he is on a relatively low wage, and I wouldn't expect him to support two households on that. I'd concentrate on filing a claim with the CSA for the full amount that he should be paying, rather than getting him to pay the mortgage, as you prob wont get anywhere with this.

Check out what benefits you are entitled to using the "Turn2Us" benefits calculator and make sure you are getting what you are entitled to.

If you're not working at the moment, can you look for a p/t job? Your earnings would be boosted by tax credits / help with childcare, and you might find that you can afford to keep your home, when this is combined with the maintenance you receive from your ex.

marisco_2

Realistically as he earns 17K that will only go so far. It is not enough to run two households.

There are a few options you could look at. See if he can increase the maintenance payments. Ideally if you can amicably agree this between yourselves it would be better than involving the csa. They are not overly effective and can cause rifts between people.

It may be that you will have to sell the property and downsize. Unfortunate but better than getting into a financial mess from missing any mortgage repayments.

Have you checked that you are recieving all the benfits that you are entitled to? I hope you manage to resolve things.

pigpen

Kayalana99 wrote: »

You get housing benifit if your renting but not towards your mortage so even if renting seems more expensive you would get help...

Actually HB will pay a small amount towards the mortgage.. basically a proportion of the interest... however, they do take it off the income support so you are not better off.

https://www.gov.uk/support-for-mortgage-interest/overview

Other than that there isn't anything you can do to make him pay towards it. You can not pay the mortgage and get the house repossessed but then you have to move, you can sell the house and you still have to move but you don't have a repossession on your credit file.

Believe me if I thought I could get away with the tool I was married to paying some of the mortgage I would!