Good for you. I'm right there w/Cinders on this one. You're moving in the right direction by the statement you made about wanting your life back and being happy again.
Your h has been dangling you along for a very long time. He says he wants a divorce, and yet, no sign of papers. I can't help but think the word divorce is being used to control/manipulate you into backing off of him. Well..the old boy has really cooked his goose this time. I can't believe he's complaining about your tming him to his lawyer.
The least he could have done was responded to in inquiry. I suspect he's stopped the payments and not the bank. They tend to go silent when they've done something wrong and you have to find out the hard way. I'm so sorry he's not been honest w/you on this. Any way you can contact the bank about it?
A, you do what you have to do in order to take care of you. You are the most important person right now and to heck w/your h and that hoochie he's with. Do what you need to take back your life and to move forward and find your inner peace once again.