Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Partner refusing to pay

184 replies

Eeeek1 · 05/10/2025 21:52

Looking for some advice please (D!)P
has decided to stop working (self employed) so 0 money coming in from him. Everything house and bills wise has always been 50/50!
This has now been going on for 8 months and I cannot afford it any longer I can’t afford 100% of everything.
We have one DC
The house is on the market desperately hoping it will sell but no luck as of yet.
He simply refuses to work / contribute any money. He is in a terrible financial situation but my concern is our home our bills.
When we sell I want to be able to start again on my own so mindful of my credit rating.
What do I do? I simply cannot find the money any more. I spoke with the mortgage company and they can help for 6 months but after the 6 months if the house has not sold the repayments will increase to cover the period of help which worries me in case things are not sorted in 6 months il be in a worse position. Do I write to mortgage company and say I can continue to pay 50% as with the other bills or do I let everything default?
Can’t get through to DP at all. He refuses to work and refuses move out, says the house is still his. I just cannot believe it has come to this. I’d be grateful of any advice. Just want to be out of this horrid mess

OP posts:
EloiseNH · 06/10/2025 05:42

I’ve just thought and I hate to say it… do you think he’s doing this to not only force you to divorce him, but to ensure you can’t get any child support from him? I know an arsehole who is openly refusing to get a job until his divorce is finalised for this very reason.

Middlechild3 · 06/10/2025 05:32

Eeeek1 · 05/10/2025 22:03

Should have said we are not married

You still need legal advice pronto. Use the law to let him out or break the stalemate.

councilpoms · 06/10/2025 05:23

How is he funding his day to day life? Food? Petrol?
What does he do all day to pass the time?

GameWheelsAlarm · 06/10/2025 04:47

Eeeek1 · 05/10/2025 22:00

Both names.
Have always paid 50/50 until this started
The last 8 months it’s been me paying

Make sure that when the proceeds of the sale are divided, his backlog of what he owes you gets deducted from his share.

Lower the asking price for a quick sale. Everything sells at the right price and if you aren't asking the right price you are losing money Every month.

Stop using the word Partner of this man. He is your ex that you haven't been able to move away from yet.

Blondeshavemorefun · 06/10/2025 04:43

Seems very strange suddenly stopped

hope house sells soon and yes speak to mortgage company and pay interest if cant do full amount and drop price a little if you can

how old is dc and can you afford the childcare tho again if you did get help via uc wage depending they pay 85% of costs up to an amount

Imbusytodaysorry · 06/10/2025 04:40

Bambamhoohoo · 05/10/2025 23:14

eh?! She might earn £60k a year! What is all this demands to claim benefits. I’m sure OP would’ve checked to see if she can get free money by the time he’s been out of work for 8 months and they’re having to sell their house!

She may not know that she could be entities to UC . She may think that as they in the same house it would be a no.

However , op should apply as they have separated and a high chance she will get some top up.
Then she should apply for CMS @Eeeek1

SweetnsourNZ · 06/10/2025 04:06

Eeeek1 · 05/10/2025 22:38

No I won’t be taking legal advice.
The split of the house is straight forward thankfully. There is no money there on his side so no one can force him to pay.
Child arrangements won’t be an issue

That's good, but maybe get that in writing.

SweetnsourNZ · 06/10/2025 04:04

Bambamhoohoo · 05/10/2025 22:34

Why would the child just live with her? Standard would be 50:50.

again, OP please don’t waste money on legal fees. You need to pay your bloody mortgage 😭

surely no one in real life wastes money like this when they can’t afford their mortgage???

Because he is unemployed he will claim to be primary carer. She could get 50/50 but that maybe something she has to go to court and fight for which will cost her thousands. 50/50 is more common now as generally both parents work, but isn't always guaranteed.

SweetnsourNZ · 06/10/2025 04:01

Unexpectedlysinglemum · 05/10/2025 22:31

Will your child live just with you after?
be warned, he may fight you to be the main care giver claiming he has been a stay at home dad so he would get universal credit and priority housing for you and your child. You need legal advice about child areanmgenrs more than finances in my view.

I was thinking along these lines too. He will claim to be the primary carer, you will end up paying cs while he sits on benefit. What is he doing all day?

femfemlicious · 06/10/2025 03:50

Eeeek1 · 05/10/2025 22:38

No I won’t be taking legal advice.
The split of the house is straight forward thankfully. There is no money there on his side so no one can force him to pay.
Child arrangements won’t be an issue

I think you should get legal advice on getting the money you are paying for hos shqre from the proceeds of the sale?

Beckywiththegoodnails · 06/10/2025 03:12

Beckywiththegoodnails · 06/10/2025 03:10

This

also see if he’ll at least sign something to say any of his share of bills and mortgage he doesn’t pay before it sells will come off his share of the house once sold to repay you
don’t need a lawyer for that, just needs to be an IOU and make it sure it says will come out of house if not paid before - keep a spreadsheet running that you update and send to him every single time he doesn’t pay his half of a bill

Edited

And I’d bloody add the cost of half of every roll of toilet paper he doesn’t contribute to but uses to wipe his useless arse too

Beckywiththegoodnails · 06/10/2025 03:10

Rainbowqueeen · 06/10/2025 03:07

You can be counted as formally separated even though you live under the same roof. Do that. Move into DD's room if you don't have a spare room. Then claim any benefits that being a single parent may entitled you to and CMS.

Then do what you need to get the house sold.

This

also see if he’ll at least sign something to say any of his share of bills and mortgage he doesn’t pay before it sells will come off his share of the house once sold to repay you
don’t need a lawyer for that, just needs to be an IOU and make it sure it says will come out of house if not paid before - keep a spreadsheet running that you update and send to him every single time he doesn’t pay his half of a bill

Rainbowqueeen · 06/10/2025 03:07

You can be counted as formally separated even though you live under the same roof. Do that. Move into DD's room if you don't have a spare room. Then claim any benefits that being a single parent may entitled you to and CMS.

Then do what you need to get the house sold.

NotThisShitAgain121 · 06/10/2025 03:03

Leave him. He is talking the fucking piss and you for a mug. Leave him now.

HelenaWaiting · 06/10/2025 02:27

Have you considered Women's Aid? They may have some advice none of us have thought of. Essentially, what your FP (he's not entitled to a "D" 😁) is doing is financial abuse.

LBFseBrom · 06/10/2025 01:36

I know you have said your partner is depressed, or claims to be, but what reason has he given you for giving up work. It's not something people usually do all of a sudden unless they have been sacked - is that possible?

If he is ill or unemployed, he can claim benefits. He should be doing that, he has to eat.

WishinAndHopin · 06/10/2025 00:38

Eeeek1 · 05/10/2025 22:35

Yes child will live me. He absolutely has not been a stay at home parent. I do 99.9% of everything for child. Neither of us would be entitled to housing.

Good lord what a burden your partner is. Absolute parasite.

Don't forget you can rename yourself on here, and do one of those posts asking what to change to sell our house, and Mumsnet can advise you on staging or quick decor fixes to help you sell.

80smonster · 06/10/2025 00:35

I would ask the mortgage company if taking the payment holiday will affect your credit rating, if so it might be best to switch to interest only, not sure though one to ask your broker.

Beesandhoney123 · 06/10/2025 00:30

So strange he just stopped working, did he resign or just be at home and casually let slip he didn't have a job? It sounds so bizarre.

Hopefully your house sells. Have you found somewhere to go?

Harassedevictee · 06/10/2025 00:16

@Eeeek1 a big mistake a lot of people make is that if they can’t afford the mortgage payment in full they pay nothing. The debt then goes up very quickly. If you pay what you can each month the debt rises more slowly.

For example if you take the 6 month interest only then payments are £1,500 a month if you then pay nothing in another 6 months you have arrears of £9,000. If you take the 6 months interest only and then pay £750 a month after 6 months the arrears are £4,500 I.e. 3 months vs 6 months. A mortgage provider would rather have some payment each month than nothing.

Keep a good dialog with the mortgage provider so they know the situation regarding your financial position and the house sale.

Good luck with selling the house.

boredwfh · 06/10/2025 00:06

Eeeek1 · 05/10/2025 22:22

Thank you and yes Iv thought about legal advice but really not sure what they can say / do to help.
Feeding him comment made me laugh but trust me I’m not doing a thing.
Yes il be able to afford something albeit much smaller but at least it will be something I can 100% afford on my own

Let me tell you , court will be expensive, lengthy & stressful, seling the house at a reduced price will be cheaper & quicker in the long run. Talking from experience

Happyjoe · 05/10/2025 23:48

Bambamhoohoo · 05/10/2025 23:39

Well I can’t persuade him to get a job either 😂

Wonder why you suggested it then. 😅

The beauty of the written word eh? You've completely got the wrong end of the stick with my reply and filled in gaps that weren't even there. Incorrectly, I may add.

Namechangerage · 05/10/2025 23:40

Eeeek1 · 05/10/2025 22:46

I started to do this but it didn’t go down very well!

Well boo hoo! Keep going op.

Bambamhoohoo · 05/10/2025 23:39

Well I can’t persuade him to get a job either 😂

Bambamhoohoo · 05/10/2025 23:39

Well I can’t persuade him to get a job either 😂