Partner refusing to pay

Absolutely bizarre behaviour from him. How much shortfall do you need to make up? Would an evening or weekend additional job cover it?

Just to double check - he is going along with the house sale, isn't he? There's no danger that he'll refuse to sign the transfer documents?

So a credit check in case he’s got any loans or cards in your name.

start taking anything of yours which is valuable or sentimental and store it elsewhere as he may turn nasty. Siphon of anything valuable of his to pay towards your kid at a future date. Kick him out!

He doesn't believe you'll separate? I'm assuming you've made it very clear, and you're not still living as partners, being intimate etc?

Has anything happened that could have triggered this? A bump on the head, something with his business? It sounds like he's in a state of delusion almost. Presumably he's previously been reasonably switched on, what with running his own business etc? He knows this is very strange behavior?

Have you asked him what he's going to do when his credit cards max out? Does he have family you can talk to?

Make sure that the proceeds of the sale are not paid into a joint account, as he could make off with the lot @Eeeek1 !

Is there an early redemption penalty on your mortgage?

Don’t be silly the house is in joint names.

I think you do need legal advice - you might be able to claim the extra money you are spending on his half of the mortgage from his share of the profit. Or a court might award you more than 50% if you are solely responsible for housing your child.

Sensibly, you have decided to live your life without him.
Mortgage wise, your repayments won’t necessarily become too much. Going interest only for six months, won’t make it more expensive when you start to repay. IF you ever choose to repay. I know this is weird for people, but, you could literally just pay the interest for the rest of your life. It’s like renting but they can’t chuck you out. It isn’t a sensible idea, you are paying a lot just to live in your house, you are wasting money. BUT if it is the only way to manage, it is a possibility?

How much equity is there in the house?

I am not being flippant about credit rating, but this situation is so poor I think I would be tempted to risk tanking my credit rating for the sake of my happiness.

I would take any payment holiday your mortgage company is prepared to offer and use this to rent somewhere and physically move out. And get independent debt advice.

There is no guarantee the house is going to sell, and if you get viewings, he may sabotage them.

I am assuming that there are other things wrong with the relationship because if not and this is sudden and out of character, I would be very worried about their mental wellbeing.

Do you have in laws/ are there friends that could talk to him about what is wrong?

Why on earth have you waited 8 months?
Kick him out, he's a cocklodger!

Are his parents around @Eeeek1 ? Can you appeal to them for some financial help?

What do his family and friend think of the situation OP? Is there anyone who can talk some sense into him?

I hope your house sells soon OP.

Just curious, what does he think will happen once the house sells? Have you officially separated or does he think he’s following you to your next place? I just can’t get my head around his thought processes here!

Hang on so he doesn’t accept you are splitting up once the house is sold?

Yes, sell the house for whatever you can get - you need out of this terrible situation as soon as possible.
Perhaps a phone call to a solicitor just to check you’ve done everything ok.

Thank goodness you didn’t marry this prince amongst men!
Good luck for the future.

Do you have a car parking space you could rent out?

She could think that instantly turning live into ‘oooohh just think what that’ll earn me in benefits’ is a pretty shitty attitude to have? She might have more pride than to instantly turn to the UK taxpayer for funding? Just a thought.

Check your credit rating regularly. In case of anything he is doing being in your name. You don’t want to be linked with him for anything except the house and bills.

If any of the bills are in his name, stop contributing to them, they can chase him and he'll have to get a job. Is he sick, depressed? Or just being an arse.

What a mess he’s got you into unbelievable. I too wondered how he’s affording to live. Does he go out with fiends etc? Must be getting the money from somewhere. Have you anything else in joint names hire purchase etc? Ensure you also get all the months extra you’ve been paying for the mortgage when you come to sell. Good luck with the sale hopefully it will be soon.

While you have reduced the price of the house I would also be checking whether he is blocking the sale of it.
Is he home when the estate agent is showing people around?
Have there been any offers that he is refusing to accept?
I know someone who in a messy divorce had their ex wife purposefully blocking the sale of the house so she had somewhere to live still and it was all financed by her ex husband.

Are his family / friends aware of his behaviour?
I would be letting them all know he is quite happy to sit on his lazy arse daily while you work your tits off to prevent the house being repossessed, and pointing out to him daily he will be responsible for his child being made homeless.
What a useless man. Has he no shame or any pride? Is he not embarrassed by his behaviour?
Take the lowest payment the mortgage company will offer for now and re negotiate if necessary when those terms are coming to an end. A lot can change in 6 months.

Have you looked into auctioning the house? Might be a bit quicker. X