help!

my husband moved out last week after we decided we could no longer live together. (there is no one else involved) we have a 2 year old daughter. He has said he will only pay me £100 per a week, but thats it. We have a large 4 bed house and quite a big mortgage, what do i do, can I make him pay at least half towards the bills? I am trying to get an appointment with a solicitor to see where i stand, can anyone enlighten me?

I'm sorry I'm not sure but I had some financial questions myself and rang the number at the top of the screen- made an appointment then they phoned at my appointment time. The woman I spoke to was lovely and answered all my questions free of charge with no obligation to employ them to do anything for me. They were great- although they did have to postpone me twice cos the solicitor concerned kept getting called into court! Guess it proves they work hard. Good luck and welcome to wiki.

How long have you been married? Is it a joint mortgage? He will have to provide for his child even if you have to downsize.
You are not alone. Take time to get some general advice on here before rushing to sign up to a solicitor.
Someone will be along soon to help you.

thanks for the advice I will ring the number!

only been married for a year, the mortgage is in my name and most of the bills are. I just dont see how he can go and leave me financially in a sticky situation - surely he must have to pay something towards the household bills even if its just half the mortgage?

blythe

Welcome to wiki. Sorry you find yourself here but it is a good place to be.

He has to pay child maintenance if nothing else. That is 15% of income for one child.

You can also apply for maintenance pending suit - that is financial help for you until the finances are properly sorted.

Unfortunately you cannot force him to pay the mortgage or bills if he is not living there .... but it would seem very unreasonable of him not to help as much as he can - bearing in mind he will have to fund his own living arrangement too.

You say you have been married for one year. What about cohabitation premarriage? That will affect the length of relationship and the financial settlement.

You can ask for the mortgage to be made interest only for the moment. If you are on your own there you can apply for a 25% reduction in council tax and, if you are working you can apply for tax credits which would help.

Hadenoughnow

Thats good news U been married just a year. Its a short marriage and for a short marriage you get back what you put in. So you should be able to keep the house etc. Becuase its yours you can sell it and move somewhere smaller. He can register an interst with the land reg and try and block the sale. Better to cut yr losses if you cant affored it then get deep into debt and have to pay it back over many years.

Generaly; when one person leaves they should pay a contribution towards the property they own. But he dont own it and usualy you have to pay yr own living expenses. Like he has to pay his.

I would sit down and work out my outgoings and see if I could afford to stay there. As I said if its blindly obvious that you cant then you will have to make a decision. However. Remember that if you have a repayment mortgage you can always convert it to an interest only mortgage provided you have enough equity in the property or you have an investment vehecle like a lump sum insurance policy that will pay out to cover what you owe.

In any case. Building societys are semi responsible these days and may give you a payment holiday or reduced payments for a year or so. Do the maths and juggle the money. It may work out better for you to stay put. Hope this helps, C.