Hi, I''ve been separated for almost 2 years, divorced for 1 year. The divorce was simple enough, he cheated, lied and betrayed and he had no problem signing the divorce papers and this went through really quickly.
Nothing financial was sorted out in the divorce. The home I live in with our 3 young children was bought 10 years ago but remortgaged and loaned on. This has been valued at what we owe on the mortgage so it would cost to sell (not just legal fees but leasehold needs to be extended too).
My ex walked out of his job in December and stopped paying maintenance to me. I don''t work and have been forced to put the house on the market and hope to get enough to clear mortgage.
My parents help me out every month with the mortgage as they don''t want me and the kids to have the stress of repossession. I know they really can''t afford it though and feel extremely guilty every month when I ask.
The house has been on the market since January and I haven''t even had a viewing so am not hopeful to sell any time soon. My understanding also is that if I just stop paying the mortgage and leave the house then the council won''t re-home us as a priority? Which leaves the option of only making part payments until a court order forces repossession which could take a year or so?
I''m so confused and don''t know what to do for the best. I''m bringing up 3 kids on my own, with no help from their dad and am tired enough without the worry of repossession but I can''t continue to take money from my parents when I know for a fact they are suffering because of it.
Sorry for the rambling message, I feel so trapped.
Thanks for your reply. I do receive some money toward the mortgage but because we remortgaged and have a secured mortgage, they only pay about 1/5th of the whole amount - and the mortgage is interest only anyway!
Do they only pay for two years? If so I''m gonna be in a lot more trouble than I already am!
Sorry about late reply, your post went '' off the radar '' and I couldn''t trace it. I discovered it by accident, so better late than never.
I think I see where you are coming from. If I am not much mistaken you are concerned that if your house is re-possessed due to mortgage arrears then you would be classified as '' intentionally homeless '' and the Council''s only duty would be to re-house on a temporary basis whilst enquiries were carried out.
But it''s really not quite that simple, and rather than delve into the murky depths of homelessness law, I''ll send you a PM.