Daughter intends to leave husband

[diclidophora]

Because of incompatability due to husbands drinking habit and debt my daughter intends to leave her husband, taking their daughter with her (daughter wants to stay with her). She refuses to seek mediation, free or otherwise or take legal action and the husband has offered no support. He also has refused help from his GP, AA etc. My daughter works and wants to get a flat, earns £1200 a year, but she lives in outer London where rents are high and needs a guarantor for the flat, as well as £300 deposit. She has looked at her possible support from benefits, but is hung up on the guarantor problem. Both her mother and I (father) want to help her and have given all the advice we can from our own experience and that of others, but we don't have the income to qualify as guarantors. Her husband earns in excess of £30K per year and their joint house has a mortgage with an excess of equity due to its increase in value. She refuses to take action to ensure that her husband helps financially.
Has anybody got any practical suggestions which could help her go it alone??

I think she'll need to start by looking for a better paid job. Realistically, if she won't ask her husband for help, she's got no chance of renting anything decent in London on that salary.

She cant do it without being sensible.

The house must be sold and she can use her share of the equity to set her and her DD up.

If she is refusing to do that, get legal advice or do anything then I dont see how she can hope to move out.

He will owe her maintenance for the DD at the very least, so that must be paid.

Frankly I think she needs a chat about being realistic. She cant live where she is living on her salary (I assume you mean 12k a year?) and without a guarantor which she doesnt have. So she needs to reevaluate.

she may want to do it without a penny from him, but pride dont pay the bills.

The other thing to consider, if possible, is an upfront lump sum to cover rent and a bigger deposit.

I know that may seem a numpty thing to say to some, but I suggest as sometimes lump sums can be found despite monthly income being low.

I would be selling the house before he racks up debt and left with nothing.

I would tell her not to leave the house before she gets legal advice.

If she leaves, and houses herself and her daughter, a court won't order the house sold if it makes her ex "homeless"- ie. If he claims he can't afford a new property if the house is sold and the equity split. As she is already housed they may agree with him.

Dh lost his house this way. even with joint mortgage etc.

She absoloutely needs to see a solicitor. She needs to think with her head. Its a difficult time but sensible decisions now could make things a lot easier in the long run.

Apologies, I shoul've given her salary as £12000 a year.

Thanks folks for your helpful and sensible advice