Mortgage joint now homeless urgent help

[Ems8765]

I split with my partner 10 months ago and had a joint mortgage which is still active. We have a 5 year old kid together who is life limited. I gave up work for 5 years to care for our sick son but ran up £13k debt because I wasn't working but reliant on his money and my carers allowance. My ex offered me £13 to get out the house as he knows I'm struggling. My name is still on the mortgage I took the money because I was desperate now I have no where to live. I can't see my son as he is in the house with his dad. I really don't know what to do :( I'm still paying the bills and half the mortgage. He has cushty life style and is well off can I walk back into the house ?

£13 - is that a typo? Why are you still paying the bills? Where have you been for the last 10 months? Do you see your child at all?

£13 or £13k? Afaia you have the legal right to live there. Horrible environment though.
Have you discussed housing with the council? If your son were to need to live with you, I imagine you would be classed as having a higher need.

https://www.themortgagehut.co.uk/expert-articles/first-time-buyers/243/joint-mortgage-separation#:~:text=If%20you%20have%20a%20joint,responsible%20for%20the%20mortgage%20repayments.

Sorry meant to say £13.000. I've been staying in the house but he had it really hard for me I even had to call the police one evening. I've left a month ago but staying on people's sofas

You need legal advice. Many solicitors offer 30 mins free. It would be a start.

Can your child's medical team write a letter so you can give it to the council to get you on the list

If you're not staying in the house then stop paying your half of the mortgage, you need that money to rent somewhere of your own.

It's so hard I want the house. I've lived their for 30 years.

If the mortgage hasn't been changed to ex only and property is still officially yours you have the right to live in it. What paperwork was signed re the £13k? How much equity is there in the property?

Why did you leave and not him? If you previously cared from your ds you would have a stronger case to keep custody and claim cms. He sounds abusive , try .Womens aid

There is about £80.000 equity and no paperwork was signed only a text message

This.
I assume you’re not married a you refer to DP?

I don’t understand why you took 13k and walked? Leaving uour son ?

I don't know either I had to get out the house he was so horrible to me. I wasn't working but now got myself a job

Who is looking after your son? Have you involved social services?

We are not married

Contact a solicitor for thing Monday morning abd get an appointment ASAP for a free half hour initial consultation. From what you say, legally you still own the house and have a lot of rights

I'm sorry you're going through this. Call Shelter UK, they provide free advice to anyone with a housing issue https://england.shelter.org.uk/get_help/helpline

Whose house was it to start with? If you’ve lived there for 30 years, and have a 5 year old, you would have been really really young when you took out a mortgage, which is why I’m wondering whether you have some other connection to it.

It was my mum and dad's house which I grew up in. We brought it off them in 2018. The hardest thing is his parents have a 5 bedroom house and 3 spare rooms so he is able to move back in with them. He's on very good money so could afford to get another place. Yet I have only just started working again as I was caring for our sick child for 5 years. I literally have nothing and will end up sleeping in my car. He refuses to move out as he doesn't want to move back home with his parents. He didn't provide care for 5 years I done everything all the hospital visits our son is palliative now and I don't see him much as I have no where to have him I can't drag him out in the cold

Joint mortgage means you have a right to live there and probably, equity.
If it were sold you would likely be entitled to half.

Why did you leave your son though ? He must miss you.

As above, get legal advice today if possible.

Did you sign anything when you took the £13k?

I didn't sign anything just a text message. I left because he was abusive to me and I couldn't live like it anymore. I miss my son dearly and its killing me inside

Move back in and if he's abusive call the police.

Have you still got the £13k? What was the agreement, did you agree to take the £13k and he gets the house?

I still have the money. I did say I would because his abusiveness pushed me to it. Now I'm thinking what the heck have I done I've walked away with nothing he has all my stuff at the house too.