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Help needed - separating with a joint mortgage
mummytomoo&roo
Posts: 393 Forumite
Husband left a couple of weeks ago, we have a joint mortgage but because he is no longer living in the house he says he is no longer liable to pay it. Is this right?
We have 2 small children and I am unable to work due to a long term illness.
We have 2 small children and I am unable to work due to a long term illness.
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Comments
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If you have a joint mortgage, then he his jointly liable for that mortgage.
I think you should go straight to your local CAB and get some help with this, because it looks like you will need their assistance to deal with your ex and the lenderI am a Mortgage AdviserYou should note that this site doesn't check my status as a Mortgage Adviser, 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.0 -
With two chlidren he should pay 20% of his net income according to the CSA. Would that cover the mortgage?
GGThere are 10 types of people in this world. Those who understand binary and those that don't.0 -
He is VERY liable to pay the mortgage. My ex husband tried this on with me. Eventually we sold up anyway, but until that day he IS responsible
You need to speak to CAB, and you need to speak to a solicitor (you might be entitled to legal aid), you also need to get onto CSA if he is not paying for the children
I just want to say my PM box is open if you want to talk, been there, got the t-shirt, I know how it feels
Take careNovember
1210 Egg 17.9%APR
1944 HSBC 15%APR
5850 MBNA (on arrangement) 0%
140 MBNA 0%
1360 Halifax 0%
I will get there:beer:0 -
He is trying to scare you, he is jointly liable for the mortgage and if he thinks he will be able to get you out of the house he has another think coming! speak to the lender asap, if you can get them on your side your in an even stronger position. then straight to CAB, make sure you know your rights. good luck.I am a Mortgage Adviser
You should note that this site doesn't check my status as a mortgage adviser, So you need to take my word for it. This signature is here as i follow MSE's mortgage advisers code of conduct. Any posts on here are for information and discussion purpose only and shouldn't be seen as financial advice.0
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