Thank you for your response.
Please do accept my apologies for my delay in repsonding to you this afternoon.
As joint tenants you are both entitled to an equal share of the profits of that property.
Although your ex was able to access the funds in the offset account to the mortgage, it does seem unfair that he would then be able to gain an equal share of the proceeds should the house be sold in the future.
You could consider a Trust of Land Act claim for a declaration as to your interest in the property - that being because your ex has already had some of his.
To do this you make a claim to your local county court using this form:
There is a court fee of £308 payable when you issue proceedings.
I appreciate that this isnt going to get you an answer as to how he spent the monies but if a Judge ruled in your favour it would equal things out.
Mediation is an option of trying to agree you having a larger share without the need for court. Google family mediation in your area and give them a call to get the ball rolling.
You should also consider severing the joint tenancy so you become tenants in common. I say this because as joint tenants the right of survivorship applies. Basically should you pass away before him then the whole property would pass to him and this might not be what you want to happen. As tenants in common you can 'will' your share to whomever you want.
This link will show you what to do:
Please let me know if I can assist you further
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