Leaving

[fishandchops]

I am planning on leaving abusive drug addict ex.
I have posted a couple of times before but I am at the end of my tether now.

We have a joint mortgage which I have been paying for the last 18 months with little to no financial help from him. We also have a 3yr old child.

I have asked him to move out numerous times but to no avail.
am now at a stage where I just want to leave and cut my losses.

I have arranged estate agent viewings for next week but he does not agree to sell.

I have cancelled my direct debit for the mortgage and will keep it in savings and explain to mortgage company what is happening.

I am happy to keep paying my half but understand that I am responsible for the debt as much as he is.

I have completed a council house application form and will send that in next week.

My credit record is very poor and I'm in a DMP therefore taking on mortgage or private rent is not an option for me.

Any advice on what other steps I need to take or if I have forgotten something please advise.

Thanks in advance

So sorry for your situation.

Have you taken legal advice /spoken to CAB about the mortgage situation? I'm not sure what the rules are but I'm just slightly worried that if you make yourself intentionally homeless it could leave you worse off.

That is what I'm am worried about too as I will not qualify for council property.

I have been in touch with a solicitor who unfortunately did not get back in touch.

Although as I am leaving an abusive, coercive and drug addict partner I may have a reasonable cause to justify my circumstances. But you are right I do need legal advice and will sort that out next week.

Have you been to see your local councils housing team? they will assist you, not just with finding a council house but also with a deposit etc. to enable you to move. the circumstances you describe would be unlikely to be intentionally homeless however I don't know the full ins and outs. I am a legal officer in a local council so if you need any specific advice feel free to PM me. I would of course still suggest seeing a solicitor 're the house and definitely go and see your local housing options team.

also chances are if your partner is able.to pay the mortgage (?) you could just sell your share to him and be done with it

Thank you for replying. That's a good idea to speak to my local council.

My ex can't take over the mortgage either so that's not an option.