He recons I’m not entitled to anything

Naomim

I agree stop paying his cards. This will help you with some extra money to use for a solicitor. 

74jax

Zainmads4 said:

It’s joint ownership. In both names. 19&16. He stay away from here 5 nights a week. 

Does he work now and is staying away with work?
No overnight night stays are allowed in lockdown so I'm confused? 

Naomim

It would be a 50/50 split. Would the sale of the house cover the remaining balance of the mortgages? 

Do you have separate bank accounts? If not I would set one up, sell the house so your share of any profit would go to you and not to a joint account where he could possibly remove it.

Zainmads4

Yes we have separate accounts as well as a joint. I’ll instruct the solicitor who’s acting for the sale of the house. There’s more than enough to cover the mortgages and some left over

Zainmads4

no he doesn’t work. He stays at hers. Restrictions don’t seem to apply to him. 

HampshireH

Zainmads4 said:

no he doesn’t work. He stays at hers. Restrictions don’t seem to apply to him. 

Think I'd be telling him to stay there. Made his bed he can go and lie in it 

This is lockdown he shouldn't be houseswapping throughout the week.

Definitely stop paying his credit cards this is not your responsibility. Save your cash there. Stop paying for anything else that is to do with him. His mistress can pick up his finances instead should she wish to.

Your house sale solicitor probably won't be able to advise as may be conflict if jointly representing you on it but you could ask them for recommended local solicitor who does a free first hour etc.

Did you have a deed of trust drawn up at all when you bought the place setting out ownership etc? 

He knows it's probably at least 50/50 he is just trying his luck in the assumption you won't dispute it. 

Also. What do you use the joint account for? What does he contribute to it?

If nothing then stop paying into it and pay whatever your spending from it out of your own account. He doesn't need access to your money if he isn't putting any in.

However do not remove what's in there if he has contributed to the balance.

Naomim

Zainmads4 said:

Yes we have separate accounts as well as a joint. I’ll instruct the solicitor who’s acting for the sale of the house. There’s more than enough to cover the mortgages and some left over

Where is your salary paid into? If it's the joint account, I'd change it to the personal one.  Thinking about the credit cards, if you stop paying them, he could set up the dd's to come out of the joint account so you'd still be paying or sinking into an overdraft if funds aren't there. It might be an idea to close it and keep finances separate going forwards. 

Pollycat

Naomim said:

Zainmads4 said:

Yes we have separate accounts as well as a joint. I’ll instruct the solicitor who’s acting for the sale of the house. There’s more than enough to cover the mortgages and some left over

Where is your salary paid into? If it's the joint account, I'd change it to the personal one.  Thinking about the credit cards, if you stop paying them, he could set up the dd's to come out of the joint account so you'd still be paying or sinking into an overdraft if funds aren't there. It might be an idea to close it and keep finances separate going forwards. 

Genuine question - can you close a joint account without agreement of both parties?

Naomim

If you contact the bank and explain the situation, as long as the account is in credit, they can mark it in dispute which effectively freezes it.  However all dd's and bill payments would be stopped so you may also want to move anything important you are willing to pay for into your name.

Zainmads4

my salary gets paid into my personal account. The joint account is used for bills, mortgage etc. I put in half the money for the payments. 

I have told him he’s to stay in 1 place but he’s so arrogant the rules don’t apply to him!