He recons I’m not entitled to anything

74jax

Zainmads4 said:

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

Or you apparently.  

Alter_ego

 His mistress can pick up his finances instead should she wish to.

Legally of course, she's just his other girl friend

Zainmads4

74jax said:

Zainmads4 said:

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

Or you apparently.  

I don’t know what you mean? 

TBagpuss

Pollycat said:

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

No, but you can freeze it (which freezes *all* payments in and out, and normally requires both account holders to sign to un-freeze it. For that reason, it is sensible to set up new DD for anything you need to pay before you freeze the account, and also transfer any credit balance so it's frozen with (say) £1 in the account. 
I would normally recommend transferring half the balance to him as soon as you have withdrawn in but in this case you might chose not to and to off-set it against your most recent payment on his cards! 

As others have said, unless you have a formal declaration of trust, then you will each be entitled to 50% of the sale proceeds after payment of the mortgage and sale costs. Make sure you put in writing to the conveyancing solicitors that you are separating and they must confirm all instructions, particularly with regard to distributing the funds, with both of you - I's put in writing that you consent to the proceeds of sake, after clearing the mortgage and paying the conveyancing costs and estate agents, to be split equally, but that you do  not consent to any other deductions or payments being made from your share of the funds, and that he does not have your authority to change those those instructions. 

In terms of his coming and going, he is breaking the lockdown rules (unless his partner lives a lone (i.e. is classed as a single person household) and he has formed a support bubble with her, in which case you are also technically part of her bubble) 
You could report him, and you could also tell him that you are not comfortable with his putting you and the children at risk be moving between households so you want him to stay away. You might be able to apply for an injunction and occupation order although it's not really the use they are intended for - however if you or one of the children  are clinically extremely vulnerable, or shielding, then it could be an option to keep you safe. 

Stop paying his credit cards, or anything which is not in your name or joint names. 

MrsStepford

Report him to police for breaching covid 19 restrictions, while you still can.
Talk to your bank, make sure he can't clean the joint account out.Can you pay bills from own account  ?  
Talk to a solicitor pronto. Can you get help from legal expenses insurance on household/car policy or via union membership ? 
Quit paying his cards and write to credit card company, showing proof that you have been paying. Tell them he's not working.. 
Check your credit rating isn't being affected by his.
Change locks
Make sure you get the sort of house injunction which stops him selling house from under you. 
Point out that if you get divorced nd sell house he can start over with his tart, having paid off his debtsIF his share covers them. Don't forget that the house may be in both names, but you're the sole mortgage payer. Make sure you can prove that to mortgage company and divorce court. 

elsien

74jax said:

Zainmads4 said:

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

Or you apparently.  

How do you work that one out? It's not the OP going back and fore between different houses. And she has no rights to lock him out of their jointly owned house. 

Emmia

Pollycat said:

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?

One party can freeze the account - which whilst it doesnt release any funds in the account, has a similar practical effect to closure

Naomim

MrsStepford said:

Report him to police for breaching covid 19 restrictions, while you still can.
Talk to your bank, make sure he can't clean the joint account out.Can you pay bills from own account  ?  
Talk to a solicitor pronto. Can you get help from legal expenses insurance on household/car policy or via union membership ? 
Quit paying his cards and write to credit card company, showing proof that you have been paying. Tell them he's not working.. 
Check your credit rating isn't being affected by his.
Change locks
Make sure you get the sort of house injunction which stops him selling house from under you. 
Point out that if you get divorced nd sell house he can start over with his tart, having paid off his debtsIF his share covers them. Don't forget that the house may be in both names, but you're the sole mortgage payer. Make sure you can prove that to mortgage company and divorce court. 

If it's a joint mortgage you are not allowed to change the locks.

Also, the mortgage company don't care who is paying as long as they get their payment. 

elsien

And they’re not married. 

sassyblue

MrsStepford said:

Quit paying his cards and write to credit card company, showing proof that you have been paying. Tell them he's not working.. why? They won’t care who has been paying any debts on the cards nor will they care if he’s not working.
Change locks she can’t.
Make sure you get the sort of house injunction which stops him selling house from under you. He can’t sell it from under her it’s jointly owned, he needs her permission to sell it or he has to go to court to obtain permission.
Don't forget that the house may be in both names, but you're the sole mortgage payer. Make sure you can prove that to mortgage company and divorce court. Again, why? The mortgage company will only care the mortgage is being paid and it would only matter in a divorce if they’d been separated for ages and she’d been paying the mortgage by herself and could therefore argue for a larger share.   

OP you need legal help but don’t take any notice of anything he says going forward, he will lie to scare you. I haven’t read all the thread but you’ve been in a very long relationship and should expect a 50/50 split.  If his debts are in his name and he hasn’t been paying for household expenses or anything you own then they are his debts.