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Help me please.....

Hello, I am desperate for help please can someone advise me, its slightly complicated so I will try to keep it short..

2003 - 2006 - bought house with husband, he left me in 2005 but still paid half mortgage & maintenance for our daughter.
2006 - present day 2015 - new partner agreed to buy my ex husband out, would only offer him £10,000, I didn't think this was very fair but I could not do anything about it and my ex agreed as he was desperate to get out.
Once on the mortgage (that he pressured me to get on) my new partner said he could not afford to give him the £10,000 :-(( Grrrrrr....because i stupidly trusted him and didn't get it in writing there was nothing I could do :-(
I look back now and know he never intended to give him a penny as i found out later it was a lie.... I feel sick because he used my vulnerability against me because i was so upset and stressed with the divorce :-( I also stupidly did not preserve the 6 years I had already paid into the mortgage. I know legally as nothing was signed etc he has done nothing wrong but morally how awful, i dont know how he can live with himself :(
Now I have realised he is a narcissist and he is mean especially to my eldest and mean to me, we have to walk on eggshells,get screamed at and I can't take anymore, we had a huge row and he was screaming at me telling me I was an evil F***ing B***h etc in front of the kids,our youngest said daddy don't call mummy that she's not evil you are :-( he also went onto say if I am that unhappy I need to F**k off, because he's paid too much into the house and he's not going anywhere:-(
I have a chronic illness and have had to reduce my hours at work :-( the stress is making me worse..
The house is worth approx £260,000 and there is £103,000 left on the mortgage with 13 years left and we pay around £760/80 pm.
My questions are:
I can't afford to buy him out, and have no savings,if it went to court would they make me sell?
I could just about to pay the mortgage myself now as it stands, I may need to increased my hours a little, but doesn't really help me any?
I earn 1600 pm and my ex pays me £500 pm maintenance for my daughter.
I can't afford a solicitor so would need to do it myself.
He is very secrative about money and I know he has substansial savings, he has just become self employed and I do not know how much he earns.
He is money obsessed and is always telling me how shrewd he is, and i know will refuse to sell and refuses to leave.
I'm so trapped and so need to get out :-(
I went to see C.A.B and they said I would need to take him to court, and I asked if I had to sell and couldn't afford a mortgage that I would have no choice but to rent privately which would be 1200/300 pm, this I could do initially due to the money from the sale but what happens when that money runs out??? Would the council help me then??? She said no because I would have intentionally made myself homeless????? !!!!!!!??
I am at a loss, I have thought about trying to go back full-time, to see if I could get a re mortgage to buy him out but even then, from the mortgage calculators I've used in would only be able to afford to give him £35000, which is not even 25% and would have to do it over 25 years ( not that I even feel he deserves it, Karma and all :( and I am not sure how long my health would last? Mind you without all his verbal abuse maybe I wouldn't be so stressed.
Please help me, I know I'm not as clever or manipulative as he is and I just want to keep my home, and for it to be a calm and happy home for my kids.
Any advice at all from your own experiences or anything please I am losing hope:( many thanks sorry for the long post x

Comments

  • amnblog
    amnblog Posts: 12,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think you are on the wrong thread.
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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