So, ex & I split about 3.5 years ago & I am desperate to get divorced. He lives in the FMH with ow & I purchased my own property a year ago after we came to a financial agreement & had a seperation agreement drawn up.
However, I am still on the FMH mortgage with no immediate end in sight & ex still owes me some money. Ex says he can''t remortgage is his own name as property is in neg equity & mortgage lenders want him to pay them £x to bring the level of borrowing in line with the outstanding mortgage. He hasn''t got the money he says.
Ex doesn''t appear to be working at the moment - actually to my knowledge hasn''t worked for over 12 months but still commands a "salary" in the region of £70k which is passive income on a part of his business that he retained when he sold the rest. He cannot service these clients because he no longer works for the umbrella company but the income is his.
So, do I just suck it up & get the ball rolling on the divorce (he has agreed to pay costs but no sign of that money coming anytime soon) & tie everything up in a Consent Order? Even if a consent order is signed saying he will repay me the money & use best endeavours to release me from the mortgage blah blah... what does this actually mean in practice?
I just want to move on, cut all ties & get him out of my life. I''m worried if we divorce, he will have absolutely no impetus to sort the out the outstaning financial issues - but I''m also very aware that it works both ways & I have a sizeable chink of equity in my new property which he could lay claim to.
I am hoping to use the wiki divorce online but would anyone advise holding off the divorce untuil the finances are settled?
I just want this done now & it''s frustrating & worrying that yet again, he seems to hold the cards.