Thanks Mike
I shall answer the questions posed and shed a bit more light:
Well, let''s try and put the present situation to one side for the time being and let us look at the medium term, when the divorce is through, and you are no longer married.
The House is in negative equity. There is nothing to stop you, or him, living in a house with negative equity - if you can afford the repayments. But you have no job, so would you have the resources to live there, if you were given the right to do so by a Court, to the exclusion of your husband ?
I have a part time job in which i can increase my hours to fit around childcare. I would be able to cover the costs of living in the house.
Because if you can''t afford to live there, with the aid of such resources as you have or might acquire, which would include spousal/
child maintenance, tax credits, etc etc. then the Court would not be likely to '' award '' you the house or the right to live there. In that case the answer would be for you to rent, when housing benefit can come into the picture.
Yes - but he is going for full custody so i would not attract the benefits - and besides - i want the children to live with me as he is not flexible with his work (police officer) and has to work 40hrs per week etc and could not do school runs without a childminder - something we have avoided by me giving up my career to look after the children to date.
Your husband could, in these circumstances, be '' awarded '' the house outright because in many respects it is a liability.
You cannot exclude your husband in normal circumstances because he is a joint owner, and only the Court can do that. However, I''d say that it is unlikely that there would be grounds on which the Court could exclude him.
This is the difficult part - he only wants every other weekend and 2 days in the week ....but at the same time wants to reside in the house - and therefore would have access to the children 100% of his time when he wants - with me picking up the responsibility of feeding, clothing, washing, conveying the children etc etc in normal every day life - whilst he comes and goes. He is also insisting on sleeping in the bedroom on a fortnightly on and off basis....
I think the chances are that you would end up as the primary carer. You would be entitled to child support, up to 20% of his net income, as a minimum. On top of this you could have benefits like income support, child benefit, tax credits, housing benefit and council tax benefit.
Yes - but only if he is forced down this route by a court as he is desperate to keep the house and benefit from everything being taken care of for him
Whether you would get spousal support depends on whether he could afford to pay you more than the child support alone. I''d say it was a strong possibility that you would get some order for SM, but I have no idea as to the figures.
He earns 40k+ pa i earn 6k at the moment so SM may well come my way but he is intransigent over the childcare, house, CSA etc etc . He says one thing in mediation and then totally changes his position when there is no impartial person present. He is using my son to say that the children want to stay with him - but this is only because my 10yr old son is a keen footballer (as he is) and both are desperate to continue the 4day a week and every day in weekend for football, at the expense of my daughters wellbeing - who has to basically accompany every football event. The kids are twins.
Does this sound like something which, in principle, you could live with ?
Does this offer a way forward which both of you can live with ?
Because if you can you may be able to settle the financials without breaking the back - for either of you.
It is not an option for me to live under the same roof as him. He has already admitted to me that he has stolen and pawned my wedding rings - and this is now a subject of a police investigation. He has now lied to them, telling them that he had my permission to sell them. I simply cannot expose myself to his devious and threatening ways any more.
He has also submitted a prohibitive steps order to the court to prevent me from exploring options for the children in better schools 15 miles away - and has tried to bribe me to drop the criminal complaint in exchange for agreeing to ''reconsider" the steps order.....but i simply have no trust in him and think he would renege on this anyway. In any case, i would not retract the criminal complaint. Theft is theft in my book.
Finally, he refuses to agree to a contact arrangement - despite may many attempts to get a reasonable resolution around access, even to me offering for him to be in the house every other weekend and 2 days a week, whilst i move out, and then he moves out for me to have the children every other alternate weekend and the other weekdays.
I have been away this week whilst he has had the children, and he has emailed me to say that he has moved back in permanently and if i don''t like it, its tough, and i can move out. I feel like i am in a no-win situation. Surely there has to be a way to terminate his control over my life and my circumstances without me sacrificing custody of my children?
Thanks again for taking the time to read and advise.