Quite important mortgage advice, relationship break up!

property.advert

BERFFRO wrote: »

A bit more to the story than that! I can see your point but no harm will ever come to the kids.

Social Services cannot and damn well should not leave kids with people who have tried to kill themselves.

Mental health issues are not to be dismissed lightly and you don't try to kill yourself unless you are quite seriously disturbed.

ValHaller

property.advert wrote: »

Social Services cannot and damn well should not leave kids with people who have tried to kill themselves.

Mental health issues are not to be dismissed lightly and you don't try to kill yourself unless you are quite seriously disturbed.

In such situations, the threat of taking the children away is in itself a serious disturbance. Social services is a difficult area and suffers from too many armchair Directors of Social Services who know exactly what they should and shouldn't do.

Thrugelmir

TrickyDicky101 wrote: »

If the mortgage is joint & several (ie in both their names) then yes he most certainly is liable for the mortgage! He wouldn't escape liability for the mortgage while retaining an interest in the equity. You know better than that!

I was answering in response to this question.

as she's led to believe that he's got to pay the mortgage until the youngest is 16

Whether the mortgage is affordable or not is a totally different issue. If she wishes to remain in the property then she would need to meet the outgoing.

Voyager2002

property.advert wrote: »

Social Services cannot and damn well should not leave kids with people who have tried to kill themselves.

Mental health issues are not to be dismissed lightly and you don't try to kill yourself unless you are quite seriously disturbed.

Most people who actually try to kill themselves succeed.

A great many people stage "suicide attempts" to dramatise their feelings and make the wider world aware of their unhappiness. Since the OP's friend is still alive and apparently well physically, it is probable that this is her situation.

Voyager2002

Note that legal aid continues to be available in cases involving domestic violence, so she does not need to worry about paying for a solicitor. When she first contacts a solicitor (tomorrow, I suggest) she needs to make it very clear that her relationship breakdown involved domestic violence so that they know that her legal costs will be paid.

Voyager2002

A similar situation (without mention of domestic violence) was posted on this board recently from the man's point of view. In fairness, it is entirely possible that he simply cannot afford to pay the mortgage on a house where he no longer lives, in addition to rent on his own home and maintenance for the children. He has no financial obligations towards his former unmarried partner, only to pay a set percentage of his income towards child maintenance. He probably shares an obligation to the mortgage lender to meet mortgage payments: in return he continues to own the house and so has the right to live there, perhaps with a new partner! It would make sense for all concerned if he could retrieve his equity from the property and so get on with his life: if that means selling the house, so be it.