Hi, I'm hoping someone can help me out, please. I know it's long and a bit complicated but I am at my wits end and just need someone who can tell me what I should do next. I do have a solicitor but she is on leave for 2 weeks and honestly, I can't afford to keep paying her so much each month. I will try and keep it brief...
My ex and I have two children together, we also own a property together. We separated 2 years ago and he moved out (his choice I was willing to negotiate who stayed there). I explained to him I could not pay the mortgage alone and he agreed to find somewhere else to live and if I could pay the mortgage for a few months we would sell the property.
6 months went by and I managed to keep up the mortgage payments alone, just! We decided on 50/50 shared residency of the children so they lived with me half the time and him half the time. He had moved into a property owned by his sister and was renting it off her. I asked him to agree to sell the jointly owned property as he had promised and he refused to discuss it as the property was (is) in negative equity and it was easier for him to ignore it and leave me dumped with it and all the responsibility :(
This has now been the case for almost a year. My solicitor has sent numerous letters all been ignored. I simply couldn't afford the mortgage and moved out into a cheap rented place. The property has now been unoccupied for 6 months and arrears amounting on the mortgage of course.
I was advised by my solicitor to apply for an order of sale. The application has been made and he has been served the papers. I have asked that the Court order I can sell the property, the arrears and negative equity being split between us and we could get the mortgage provider to put the separate debts into small loans for each of us to arrange to pay back. Then we are completely financially separate and that's surely best for us all. My application also requests he pays all my solicitors and court costs due to his total lack on response for so long - he has also refused mediation about the subject so I also have an FM1 form which I am told will likely persuade a Court to order he pays my costs. This has all cost me an absolute fortune that I just can't afford.
Yesterday he had the damn audacity to text me out of the blue saying he is moving back into the currently empty jointly owned property. He has said he would like me to sign an agreement for the mortgage to be extended to lower the monthly payments for him as his sister is now selling the house he lives in an otherwise he will be homeless.
The man is a complete financial mess, he has caused me all sorts of other financial problems during the relationship and since separation, he has so much debt and unpaid fines etc there are bailiffs regularly turning up at his sisters house (he told me this). I just want to cut all ties (financially speaking) and be free of this huge debt with him. I do not want to be on a mortgage for a property he is living in.
I have said no and he has now said he is moving back in there next week and I can't stop him. He has also said he will use the "Children's Act" as once he is in there I won't be able to force the sale as it will be the children's home and therefore to force the sale would be detrimental to them and make them homeless. I have a court date set for November (huge wait) for the hearing regarding the order of sale, but by then he will have been living there for months.
Does anyone know where I stand? Will I be able to still get the order for sale if he has moved in there, given that he has refused for so long to discuss and has shown no interest in the property for such a long time. The children live with us both equally, we have a shared residency order that is 50/50, so they have two homes, not just one and they are both primary school age - if that makes any difference to the protection he will get from the Children's Act under these circumstances.
Is there any way I can stop/delay him moving in there until the Court Hearing in November when the fate of the property is decided? Will the Court see what he is now attempting to do to try and financially hold me to the property after putting me through all this stress and worry for so long. I cannot face the emotional and financial burden/stress of being financially tied to him in this way.
He works full time and earns a decent wage, so he could afford to rent privately if he wanted, just like I do.
Hopefully someone can help?
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Desperate Situation - Advice urgently needed please!
5 replies
troubledmum1234 · 09/07/2013 12:53
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