Welcome to the DAD.Info forum: Important Information – open to read:
Our forum aims to provide support and guidance where it can, however we may not always have the answer. The forum is not moderated 24 hours a day, so If you – or someone you know – are being harmed or in immediate danger of being harmed, call the police on 999.
Alternatively, if you are in crisis, please call Samaritans on 116 123.
If you are worried about you or someone you know is at risk of harm, please click here: How we can help
I separated from my partner on 19 January 2015 and need some advice on what i have to pay for and what i don't. We have a joint mortgage and secured loan and one child age 14 and one aged 22, Im am not looking to get out of paying child maintenance at all but feel that as I'm not living in the house anymore do I still need to pay towards the mortgage. How much is a reasonable amount of money to live on and any advice on my rights .
Thank you
Hi there
As you have a joint mortgage you are still liable for the repayments, if your ex doesn't pay it they will come to you for it. If the secured loan is in joint names you are jointly liable for that too. Sometimes when the children are all but grown and you were not married, the best thing to do would be to sell up and split the equity.
You really need to sit down and discuss your financial situation., if you can't then I would suggest mediation to try and sort it out.
You will only have to pay child maintenance for your 14 year old child and this is worked out as a percentage of your income. Here's a link to the CSA calculator that will help you to work out a fair amount. If you contribute to the mortgage then that may be taken into account. If your youngest child spends more than 52 nights a year with you then you are entitled to a reduction of the maintenance.
www.gov.uk/calculate-your-child-maintenance
The amount of child maintenance you pay covers your financial commitment and you are not expected to pay any household bills or buy clothes, if you do this is purely discretionary.
Hi There,
As Mojo has said you are liable to pay half the mortgage whilst you are named on it, if you ex can afford to pay the full amount and agrees to do so then you can stop paying towards it, you would still be entitled to a share of the equity in the property once it is sold at the final value.
I would also agree that mediation would be the best place too discuss this too see if you can reach an agreement.
GTTS
Welcome to the DAD.info forum.
We don’t like to set ‘rules’, but to make sure that you and the other dads are kept safe, we have some requests. When engaging with the forum, please be aware of the following:
- The forum is not moderated 24 hours per day.
- Many of the moderators do so on a voluntary basis. Whilst they may be able to provide some guidance, advice or support, they may not be able to deal with specifics.
- We are not an emergency crisis service so if you or someone else is in immediate danger, please call emergency services.
- If you are concerned about the safety of a child, please click here to find the support you can get for them (link to new page)
- If you are in crisis, please call Samaritans on 116 123. They are open 24 hours a day, 7 days per week.
We hope you find this forum a supportive environment and thank you for joining us.