Ex threatening to not pay mortgage and bills

ToriB28

I have been trying to leave the person I own a house 50/50 with however he is threatening that he will not pay his half of the mortgage and bills if I put our house up for sale. This is an attempt to stop me leaving someone who is verbally abusive and aggressive to me daily. 

I told him this would result in our house being repossessed as I do not earn enough money to cover the payments or buy him out and it would screw up both of our credit history and prevent us each from being able to buy places of our own. He said he doesn’t care. 

He has also taken out a loan without my permission that we are having to pay for jointly… I think this is financial abuse but I don’t think there’s anything I can do about these things and just want to get away from him.

If I were to let our house be repossessed, I don’t think I’d qualify for any help getting housed as my earnings are above this bracket. 

Any advice at all would be appreciated.

born_again

ToriB28 said:

I have been trying to leave the person I own a house 50/50 with however he is threatening that he will not pay his half of the mortgage and bills if I put our house up for sale. This is an attempt to stop me leaving someone who is verbally abusive and aggressive to me daily. 

I told him this would result in our house being repossessed as I do not earn enough money to cover the payments or buy him out and it would screw up both of our credit history and prevent us each from being able to buy places of our own. He said he doesn’t care. 

He has also taken out a loan without my permission that we are having to pay for jointly… I think this is financial abuse but I don’t think there’s anything I can do about these things and just want to get away from him.

If I were to let our house be repossessed, I don’t think I’d qualify for any help getting housed as my earnings are above this bracket. 

Any advice at all would be appreciated.

Is this a joint loan?
If so contact the lender & advise them.

tacpot12

I would suggest you contact the National Domestic Abuse Helpline on 0808 2000 247 for advice on your situation. You probably need to get out of the house first, and deal with your financial situation once you can think and action without having to worry about how the other person will react. 

You might not be able to avoid your credit rating being affected if you default on the mortgage, but this is a long way off happening.

Once you are out of the house and the person sees you are serious about no longer living with them, they may come to their senses. They may also have friends and family who you can influence to help the other person follow a sensible course of action. 

LinLui

Do as @tacpot12 says.  Safeguard yourself first. Everything else is negotiable- and eventually in the past. 

ToriB28

Thank you all for your replies on this post. I will do everything you have suggested. This is honestly so helpful to hear, thank you. 

Jemma01

Just reading this made me feel awful, I can't imagine what you're feeling going through it.
I hope you get the help you need, I encourage you to speak to the lender as well that you had nothing to do with the loan, once you've gotten yourself to a secure place away from him.

Did he steal your identity at all? Or did he sign on your behalf? You need to get to the bottom of this, as your identity is likely to need protection (otherwise he could do that after the house is sold and run around destroying your credit)

penners324

Stop paying for the loan.

Then report the loan as Fraudulent to the supplier.

Do you have your own bank account or still using a joint one?

RAS

Other than the mortgage, do you have any joint accounts?