Finance support please

[Robincup]

My husband and I are separating. He has stopped paying into our joint account where all our bills and mortgage payments come out. I work part time as I have two children and I am pregnant. We have always paid an amount into the joint account and it covers bills and mortgage payments but for the last two months he hasn’t put any money in which means direct debits are bouncing. I cannot afford to pay for them all
on my own. He is self employed so keeps making excuses about why he hasn’t been paid on time etc but I don’t buy it.
What can I do practically? I don’t really know where to start. I suppose long term I’m going to need to sell the house but what do I need to do right now as I can’t afford the bills that keep trying to come out.
thanks

If he's on the mortgage he has a obligation to pay.

Has he moved out so can't afford to pay?

I'd be looking at applying for universal credit immediately if you don't already. Applying for child maintenance too. And if you can have a discussion with your ex to understand what his intentions are, as looks like you may need to sell soon. Possibly call the mortgage company and ask to go into interest only for a while?

But good god what an absolute bellend he is - I'm sorry you are going through this

If he's on the mortgage he has an obligation to pay.

Not really no

Joint mortgage means you are jointly and severally liable. So if one stops paying the other becomes responsible. You can't actually legally force him to pay. Especially if he isn't even living there

Id ring up and take a mortgage holiday. Start the process of selling the house

You'll need to reassess everything like how long maternity leave you were planning

Call the mortgage provider first thing. Explain the.situatiom and ask for a payment holiday whilst you sort out finances.
Then call the estate agent and get the house on the market. You can't afford to.live there and you don't want to trash your credit rating.
Then sit down and look at all the overdue bills. Which are the oldest? Can you afford to pay any of these? Any utilities call them up and ask to be on an payment plan for a couple of months. Basically you have to try to minimise the outgoings as much as possible and avoid getting into a position where people are chasing you for debt repayments. So call each one up and get on the front foot don't just leave the DD unpaid.

Also speak to a solicitor about possibly claiming interim maintenance ( not cms)

Have you claimed universal credit? Council tax reduction?

ring the mortgage provider

make a claim tonight online