HELP Please!

Hello lovely peole,

my husband has moved out and we have been separated for 2 months now. We have been married for 7 years and we have a joint mortgage on our flat which we bought 3 and a half years ago. I was hoping he would come back but he has mentioned the divorce now. Anyway, he is still paying half of the mortgage and bills but he said he will stop doing that in February. I want to stay in the flat but i will struggle to deal with the mortgage on my own and basically I am lost and don't know what to do. I just don't have the energy to move out and I feel hurt and devastated. I was hoping if somebody would give me an advice or do I have any rights or what can i do? Please can somebody give me any advice!! Thank you guys

Hi Nina. I think the best thing you can do is see a solicitor. If its a joint mortgage and he stops paying his half they will come after you for the rest.

But also contact the lender and explain the situation. They are not supposed to proceed against those that are divorcing.

Bottom line is you have no kids. Perhaps the only asset that you have is the flat. Its much better to sell than be repossed. So consider that when you see the solicitor. C.

Many thanks,
I was thinking to contact a solicitor but I can not afford it. I was also thinking to call the mortgage company and explain but I am in an emotional wreck at the moment and just want him back.
Anyway, I don't want to sell the flat, I love my flat and I feel home there so I will have to call them and see if I could re-mortgage or something. I just don't think it is fair he will stop paying his share as it is his debt as well.
thank you so much for your advice!

Nina

Hello Nina

You have a joint mortgage so you both have a contract with the lender, if the agreed payments are not made the lender will pursue both parties to the contract not just you.

As Marshy says don`t delay contact the lender and explain what is happening, make an appointment with the CAB to talk to a debt advisor to help you plan your next step and make you aware of your rights.

Many solicitors offer a free 30 minute consultation, write down the questions you have before you go so you don`t forget any, if you don`t get the answers you need why not make another appointment and do the same with a different practice.

To give you some breathing space you could ask for a payment holiday or interest only, worth thinking about.

Nina73 wrote:

Many thanks,
I was thinking to contact a solicitor but I can not afford it. I was also thinking to call the mortgage company and explain but I am in an emotional wreck at the moment and just want him back.
Anyway, I don't want to sell the flat, I love my flat and I feel home there so I will have to call them and see if I could re-mortgage or something. I just don't think it is fair he will stop paying his share as it is his debt as well.
thank you so much for your advice!

Nina

Hi Nina. I understand. I realy do. I lost my home and I know how that feels. But at the end of the day you have to be able to afford the payments. But all is not lost. As Dukey said explore the options. They dont want to reposses but if you just dont pay they will come after both of you for the money.

If you earn less than 8K I think you can get legal aid. But as dukey said try the CAB and try and find free 30 mins advice solicitors. C.

Thank you guys!
It is such a comfort to know people are going or went through similar situations and dealing with it. I don't want to loose my home and I don't want to get divorced. But I will take your advice on board and talk to mortgage company and see what happens. I will get some financial help from my family and try and keep the flat and maybe if I get a better job might be able to afford it. I am worried what will my husband say about this as he suggested moving in and I would move out somewhere and rent until we sell the flat. I also at the moment think he didn't deserve any money while I am in this state. Ah, I wish I would wake up and be happy again.
Thank you all again
x