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Hello, I hope you are well. My name is***** am a solicitor advocate and I will be assisting you with your question today. I am very sorry to hear of the problem you are experiencing and I will do my best to help you with this matter.
Sorry to hear of the problems you are having.
I understand the issue relating to the insurance.
If the mortgage is a joint mortgage, and likewise, the insurance in joint names, then unfortunately, if she refuses to pay towards the cost of the insurance, then as a joint policy, you would still be liable to pay the fees due. That is what happens to joint accounts and policies.Althought shared, it is not simply a case of “ I pay 50% and you pay 50%”. You are both equally liable for the full amount.
As you have shared custody of the children you are stopping housing them, they can easily stay with you. That is a decision you would have to reach.
I don't think that her argument would go anywhere.
It is of her own doing.
But it could be reasonable that if you want to buy her out, you d so for the insurance as well. try and reach an agreement whereby you will pay the insurance and then deduct her part for any payment she receives.
Can I assist or clarify anything further?
your very welcome.
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