Mortgage/house payments

[DebsJ22]

Hi I need advice, please help! 

I have just ended our marriage in September and he has moved to his mum’s. I am living in our house we jointly own and have a mortgage on. The house has been agreed to be put on the market for sale in january so our daughters aged 3 and 5 enjoy christmas. My ex husband is now saying he shouldn’t be paying anything towards the house because he doesn’t live there and only be giving me £60 per week for maintenance. That’s it. Nothing for childcare. I have had tax credits stopped and a new claim for universal credit so I’m getting no help. Our energy bill is in debit from before he left. We have house, life bad pet insurance to pay. What should he have to do tribute? Thanks

[Kathymumofone]

Hi.

Your ex is wrong. If you have a joint mortgage, you are both individually legally contracted to pay the mortgage whether living there on not.

If your ex does not pay, his credit rating will be damaged and he will find it harder & moe expensive to get a mortgage, credit card or tenancy in future

Any other bill that is in his name and is not paid, will further impact his credit limit, making his future finances very difficult. Can you point this out to him. Or get someone else to.

[Sherinam]

Hi when my ex moved he met all mortgage  payments. If you have bad credit it will have a knock on effect.  Plus you may not be able to secure another mortgage .

[DebsJ22]

The energy bills and water bills are in my name. But he has used them and put them in debit so he should pay what he owes surely?

 

What about house insurance? And council tax? I can’t get reduced rate council tax because he is technically known at this address. So I have to pay full whack

[Sherinam]

I couldn’t be bothered to ask for help with insurance and utilities and paid them myself.  I worked full time so it was OK as I has a well paid job  but now I’m part time at another company. Ex sold house to me as I wanted to stay in it. It was hard but it was the best decision and although our coffers are low at times we are happy and  feel safe content and snug!

[Kathymumofone]

If he is joint mortgage holder, the contract requires him, and you, to keep building insurance in place. So he is legally liable to pay his share.

On council tax, you need to call the council, inform them that he moved out on a specific date and claim your 25% discount. If he doesn’t want you to do that, he needs to pay his half.

[DebsJ22]

Unfortunately j work full time but don’t get enough to cover it all

[Greenfingers]

As kathymumofone states, you just need to contact the council tax office to gain a 25% discount and tell then the date he left. They’ll reimburse you. He is jointly responsible for the mortgage payments, if he’s awkward then you could speak the mortgage company and see what they suggest i.e. going interest only for a short time or taking a payment holiday? Just call them and see what they come up with

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