Morning all.
Had a "lovely" email from my S2BX and would like some opinion on this please.
We have a joint account (One Account -
offset mortgage). Both wages went in and all bills went out from it when we where together. Utilities etc where all monthly payments.
When we separated (Mid oct) she immediatly cancelled her wage input and instead transferred £600 into the account monthly until this month / march.
From Nov to Feb i continued paying my wages into the account. (I know... daft). We had a joint c/card which has no debt just a moonthly turn over. She continued using this for all shopping - food clothes etc for her and our daughter (16yrs old). She then paid this as the primary card holder from the joint account. i also used it initially.
In feb i stopped my wage i/p and started paying her 15% of my net wage income in child support. In addition i paid into the joint acc for 50% of our mortgage and shared endowement policies. (approx £200). I have also agreed to pay 50% of the house insurance while i still have shared ownership.
Now she has requested child support back payments for Nov-Jan approx £1000.
IMO in those months through my wage i/p to the joint acc I have paid 50% of all household bills whilst not living there. Further she drew against my wage to pay for the credit credit card spending. This offsets the child support and she probably owes me a bit back in truth.
In jan the c/card was cancelled. i had spent very little on it since Oct.
She has now stopped her £600 input and is paying the same into the joint account as me for our joint liabilities detailed above. This seems the way forward.
We share additional other bills for our daughter and house maintenance, school trips etc etc. No issues there.
She could argue that she should have her overpayment into the joint account back and in theory she would be right. I would not object as it would be fair. I would then ask for my overpayment back too.
Does this arguement hold water... is my thinking correct? Would welcome opinions from those experienced in this... all new to me!
i know many would say joint accounts dont work but we are managing it... so far. There is some trust there at the moment.
Messy!
Thanks
Esox