Can i get help with paying my mortgage

[melonbreezer]

My partner and i split summer 2008 and he left, however he hasn't contributed to the mortgage of 600 pounds per month but i have changed over to interest only and now pay 400 per month. My ex is still named on the mortgage as i cannot re-mortgage on my own. I am a working single mum of a 6 yr old and am struggling, as is most of the population! Just wondering if i can put a claim in for some kind of housing benefit or such like! Many Thanks

[Nosha123]

a mortgage is a legally binding contract.. I do not think your partner can just run off at the first opportunity and avoid paying it...

I suggest you track him down and explain the situation and tell him he is 50% liable for the mortgage as much as you are.. and until such a time his name is removed legally he is obliged to pay up! A mortgage is a long term agreement and should not be entered lightly... he cannot just decide he has changed his mind!!!

[KenAtSpen]

Have you claimed the 25% Single Resident Discount for Council Tax yet? The following link will explain: http://www.adviceguide.org.uk/index/life/tax/c ouncil_tax.htm#Howmuchisthecounciltax .

Are you getting any child maintenance from your ex yet? The following link gives the options etc: http://www.adviceguide.org.uk/index/family_par ent/family/ending_a_relationship_when_you_re_l iving_together.htm

Have you checked your Working Tax Credits eligibility since you split up? The following link explains:
http://www.adviceguide.org.uk/index/life/benef its/benefits_and_tax_credits_for_people_in_wor k.htm and there's a link to HMRC to check for how much etc. You can also get help with Childcare Costs.

By the way, because you're joint owners, your ex is not 50% liable, he 100% liable, as are you if mortgage payments are not kept up - this is called Joint and Several Liability!