Separated and ran out on the joint mortgage

[Facepalm2000]

So my son and his Mum moved out a few months back. Im still living in the house we have a joint mortgage on. She is now refusing to contribute to the mortgage or any extra expenditure however minimal on the house despite estate agents telling us to complete the kitchen (just skirting boards and painting required).

She claims she paid an extra one off £6000 into our joint account some years ago and that I should use that money to cover her mortgage contributions until the house is sold. The money was evidently spent years ago on stuff when we were a family and never mentioned until recently so I’m not convinced i should just accept this as an explanation. In any case her mortgage contribution will be another two thousand pounds by the time we get to february when the low 1.24% mortgage rate becomes something like three or four times that.

We have a son so I’d really like to be as amicable as possible so I thought I’d see what everyone thinks about this situation and whether I would be an arse for getting my solicitor to explain the situation to her solicitor…?

I know you say the rate changes in February but are you not planning for it to be sold before then?
Paint and skirting shouldn’t costs too much to buy, no you shouldn’t have to pay for it all but, for the sake of quickly completing so the house can be sold, I’d probably just buy it and keep the receipts.
Sorry, it’s an awful situation for you. I hope things can stay amicable so it doesn’t affect your son, some info here.

https://www.charcol.co.uk/news-and-opinions/ask-the-mortgage-experts/what-can-i-do-if-my-ex-partner-stops-paying-their-share-of-the-mortgage-after-separating-6404/#:~:text=Speak%20to%20your%20lender%20as,only%20or%20extending%20the%20term.

Is the required works worth the outlay? What have the estate agents said the value will increase by if it is done vs. the cost of doing it?

If it is done, I’d argue that the cost is deducted from the proceeds of sale before the remaining balance is divided.

What are you paying towards your son while your ex provides care for him?

What situation are you expecting your solicitor to explain to her solicitor? Ultimately you are both jointy and severally liable for the whole mortgage, so if one stops paying then the other needs to unless you want the house repossessed and both your credit ratings trashing.

Where is she living? Is she having to pay rent on another property and is she still working?