Mortgage issues when separating

[WorthyHelper]

Im going through a divorce and my former partner usually pays 70% of the mortgage and i pay 30% of it proportional to our salaries. He earns 3x the amount I do but has always wanted me to pay 50% of it. Since we separated he hasn't been consistently paying me for all council tax and water bills that are in my name. The mortgage was originally coming out from his bank account and I would transfer my proportion to him but after talking to his solicitor he has taken the direct debit off his account and sent me an email to say I am fully liable for it and if I do not pay the mortgage I will have a poor credit file but the mortgage was in both our names. I cant afford to pay the mortgage on my own and I dont know what to do. Please can a your advise me further as I am stressed and scared. The only reason I wasnt giving the full 30% is because I was deducting the contributions that he didnt make and now he is saying thst I need to be paying 50% of the mortgage and he will put a standing order into my account. Neither of us even live there. The mortgage company just told me thst they want the mortgage in full every month. How do I move forward with this?

Sorry, but this is awful advice.

it’s not a game, no one wins in this situation, except possibly the bank.

normally, if you can prove you can’t afford the mortgage payments, the bank will give you some grace as long as the house is on the market for sale. You will need a court order to give you the power to sell it.

the other option is to rent it out and stay with family or friends, to cover the mortgage payments. You could then look to market the house in the last two months of the tenancy.

Babkruocy, CCJ’s and repossessions will stay on your credit file for 7 years. That’s 7 years of no finance , and even renting ( at least through an agency) will be difficult without a guarantor. Even your bank account may well be downgraded to a ‘basic’ account.

Basically, do not default on the mortgage payments, you need to make sure the payments are made, this is so important. You are jointly liable and if he’s not paying you will have to. To make the payments manageable you ask to go interest only, or eat pasta every day, or sell things etc. A second job? . in the meantime you go through a solicitor to force the sale. Work out if you had to how you would cover the mortgage and bills until the sale happens. Don’t let him ruin your credit rating for the next 7 years. Take control of this right now and put an end to it (renting the house is an option but lots of admin and regulations and means you are still tied to him)

Just re-commenting on this thread.

I’m a mortgage broker and recently helped a client, who due to economic and financial abuse, had not paid their mortgage for 18 months.

Believe it or not, there is a company who has a flexible economic abuse policy, and they offered him a mortgage on a high street rate.

Just keep paying your share of what you can, as it shows whatever issues occurred were not of your doing. It goes a long way with lenders who can support you in the future.

You won’t be as financially stuffed as you think.

Good luck, I’m happy to share my professional credentials on pm if you want them.

Don't set up that DD!
You are divorcing. Either he buys you out or the house gets sold.
Keep paying your 50%
Move back in, up your hours, apply for Universal Credit, get a 2nd job, go see Citizens Advice, get your own legal advice.
A couple of temporary lodgers(Google lodging agreements papers)could bring in £1000 a month. Builders/contractors are a thought.
Just because he SAYS you are liable, doesn't mean you are.
You are not the first and you won't be the last, you can do this @WorthyHelper

p.s. I can see why you are divorcing him.