Reducing Mortgage Overpayment & Requiring Two Signatures

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louthman2013

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Just wondering if anyone can help me with this. I am in a marriage seperation situation. We are both still living in the family home which is incredibly awkward. We are currently over paying our mortgage ; jointly held mortgage, coming out of joint bank account, but only my income is being fed into this jointly held account.

I want to stop the mortgage overpayment, but my wife wants to continue the mortgage overpayment, perhaps because she believes she remain living in the house longterm and therefore paying off the mortgage early suits her purposes. The financial insitution are saying that they need 2 signatures to reduce the mortgage repayment down to its normal level. The continued overpayment of the mortgage is leaving us with a low balance in the account before payday, and could potentially push it into the red.

I feel this is unfair. Any ideas? What is the legal situation? I simply want to revert to normal mortgage repayments
 
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