I left my husband 4 years ago as he refused to leave when we were splitting and moved into rented accommodation with our 2 daughters despite the marital home being mortgage free and owned by us both outright. He looked after it at first as the children used to stay there but now he doesn't have them there and it seems he doesn't live there either. My next door neighbour contacted me to tell me there were rats in the loft and garden so I went to look. He has changed the locks without my permission but the patio door does not lock so I let myself in. There has been a flood which he has not dealt with ( presumably he has allowed his insurance to lapse). There are rat droppings everywhere. There are hundreds and hundreds of dead flies everywhere. The roof is leaking to the extent that the ceiling is coming in in one of the bedrooms and I found a letter from the council threatening action if the dozens of bin bags in the garden are not removed. He refuses to communicate with me. I will have to get a loan to get the place even remotely habitable again. Help would be great as I dont know where to start or what I can do legally