Can stbexh do this?

[Blushingm]

He was paying the mortgage in lieu of maintenance

He cancelled it and decided to pay maintenance- he's lied to the mortgage company and said he can't afford to even contribute to the mortgage but I have proof he can. We went to mediation a couple of months back and had to do an income expenditure form. I also have copies of pay slips so know his income to the penny.

I don't know what to do - I'm a student nurse so only have a bursary and the odd bank shift plus child benefit and just can't afford the mortgage.

How can he lie so blatantly and they believe him?

Unfortunately yes. You can't force him to pay it and neither can the mortgage company.

If it is in joint names which means you are both liable for it.

His credit score will be badly damaged if he does this.

How much less per month is he giving you?

I am sorry to hear this. Do you apply for the maintenance grant to every year? It's about 2k a year but it's something.

What's the maintenance grant? I don't get any grants at all as it's an NHS funded course

He's £580 short

You are both jointly and severally liable for the mortgage, which means if he doesn't pay they will look to you for the whole amount.

Is what he is paying for child maintenance in line with the guidelines if you applied to whatever the CSA is now?

Whatwas going to happen to the house in the long term?

As far as I know he can simply stop paying if there is no court order however the court won't look favourably on a man who randomly decided to jeopardise his children's home. He will absolutely destroy his own credit rating and yours too. Perhaps points to raise with him and see if you can't come to a resolution such as he continues to pay the mortgage until the house can be sold? It will cost him more in the long run to damage his credit score than to stump up a few more months mortgage. He may not go for it but you can try.

If he can't afford to pay both and you can't afford to buy him out then maybe you need to sell the house and split the equity.
If he is paying the required amount of maintainance then I'm not sure he can be made to pay both. have you spoken to your solicitor?

Also you don't mention tax credits which you would be entitled to claim if you only have a student bursary.

Have you spoken with a solicitor to start the ball rolling on the divorce? The sooner you reach a financial settlement the better. It will possibly mean selling the home, but it will hopefully provide you with clarity over your finances and he will no longer be in a position to have this control over you.

You need to claim child tax credits as you should be entitled to it.

Could you rent a room out to a fellow student? That's what I did whilst I tried to sell the house when I split with my ex.,

Good idea BG 💡
It may not be ideal OP but would it be enough to help you pay the mortgage?