I left the FMH in Nov 11 due to violence and took my 2 children (on advice of the police)
STBX then changed the locks and I''ve been back once since then to collect belongings in Mar 12 (what was left of them!!)
I am now renting privately for myself and the children and get CSA from STBX. He has however now moved back with parents rent free and has not paid mortgage for months, we now owe £5k.
We cannot rent it out as I will lose housing benefit which I rely on.
He now wants to do a voluntary repossession as house has been on the market since Jan 12 and no sign of a buyer (agent has told me he didn''t leave it in the best condition but I cannot get in there and he says it''s fine!!)
I really don''t know what to do??
As a personal view, you can sell most houses - if the price is right.
If the house is repossessed, you both will incur fees/penalties/legal costs/ administrative charges, and the house will be sold by the lender and all they will be concerned about is getting their money back.
Selling at what may seem to be an undervalue may be preferable to allow repossession and its possible consequences.