Hi, I need to move out of the family home, taking my 2 children with me.
My husband has an alcohol problem and (I think) is severely depressed, abusive, at times violent.
I've given him every chance and opportunity but enough is enough. He refuses to leave so I feel I have no choice but to leave myself.
My biggest concern (other than the disturbance to the children) is the financial aspects as I can't afford to pay rent and the mortgage.
Currently I pay all household bills, the mortgage, and a personal loan. The mortgage and personal loan are in joint names. The household bills are in my name.
My plan is this:
- Change the household bills to my husbands name
- Redirect the mortage direct debit to our joint account (which my husband uses almost exclusively), once this is done, inform the bank that we are seperating and that I am unable to make mortgage and rent repayments and to do whatever they need to do if my husband doesn't make the payments himself. I don't care if the house is sold off, we are in positive equity and selling the house would in some ways be a relief as its a big noose around our necks.
- Initiate legal seperation
What am I forgetting?
Is this leaving me open to a total mess? I figure its going to be a mess regardless and this may be the simplest way to do things - just let the bank know that the mortage is likely to go into arrears and let them do their thing.
I'd appreciate any opinions or advice.
Thanks.