Advice on splitting with husband......options, maintenance etc..........

[ShockedAtHavingToAskThis]

Changed name for obvious reasons.

Don't want to go into the story as still in shock and upset. But, because of my son, I want to get things all sorted and know my options from the start.

I run my own childminding business and it's really successful now and I don't want to stop it all and go on benefits just because my husband is leaving (other childminder friends have had advice and then stopped childminding because it was the only way to keep their house).

Here are some questions (sorry if not all clear, I'm a bit messed up as still fresh ):

1. Mortgage is £201k (well, that's what we took out last Nov). I don't want to sell the house and split the money, what are my options? I've worked out I can scrape by for the rest of this year on my own (without maintenance) and then from Jan, my money goes up a lot and I can afford it even better. Problem is I worry about my husband coming off the mortgage and just my name being on as I'm self employed.

2. What legal rights do I have to maintenance? We have been very calm about things but last night dh said he wouldn't be able to afford maintenance. Where do I stand with this?

3. Am I entitled to any help as I'll struggle for a bit? I think I get discounted council tax if single? Anything else I may be able to get? (just little bits here and there to help me out this year)?

4. Anything else anyone can advise that I may not have thought of?

TIA

Sorry, I don't have any answers to your questions but just wanted to suggest, if you could to see a Solicitor, or you might find some info on the net about it. Good luck

or the CAB

25% off the counicl tax.

Will you be entitled to WTC/CTC? try entitledto.co.uk (or .com) and child maintanence (I think) is 15% of your xh income for one child

Thanks for that info, much appreciated

I'm such a TWAT - not thinking straight and totally forgot that my mortgage is INTEREST ONLY!!!

SAHTAT see a solicitor, but you are entitled to stay ay in the house whilst your son is in fulltime education, after that you can be forced to sell, but in that time your husband is entitled to a peice of the equity to house himself, you would be entitled to the 25% reduction in council tax, and child and working tax credits, the option would be to sell and use that money to go and buy something else.

Maintenance has to be paid whether a NRP can afford it or not, 15% of their salary.

SAHTAT, you could be me! I've got my sister to get the answers to the exact same questions as she is a lawyer. As far as I know so far you can apply for tax credits and working tax credits. Council tax is 25% discount and the CSA will ask for 15% of dh wages/salary.
Once I get the answers I'll let you know.

Just bumping for myself as although we sorted things, it's back to haunt me again and guess what, I'm now 18 weeks pregnant!!! Right, going to have a read of what everyone said last time.

Problem is, H isn't in a proper job right now as was made redundant. He's temping for the next couple of months but he's still not got perm job to follow atm. What happens in this situation?

Anyone able to help with the last question?

I would just claim through the CSA I guess, it will be owed to you in arrears when he has been working and he doesn't pay. do you think he will jst pay the 15% - have you asked him? If it is his dc you are pregnant with (couldn't do the dates) then it will rise when LO is born.

bump to help x

Thanks CG and LMGs. This IS his child I'm pregnant with, yes.

Oh bum, that's me wide open now eh!

Hello Not wanting to be an expert but experienced this 9-10 yrs ago and majority of morgage companies cater for situations like this. Talk to them first.

Oh helly Are you on my msn? Or shall we talk through facebook? You should have come to me hun you know I've just gone through exactly the same thing don't you!!!

Cheers Saz, will ask but our mortgage is very big for even me and dh and interest only so not holding breath!

Lunavix - I'm on [email protected] I THINK. Saz, if you're still there can you confirm?