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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:
Eeeek1 · 05/10/2025 22:06

TokenGinger · 05/10/2025 22:02

Rather than take a mortgage holiday, can you switch to interest only payments for a while?

That was the same as a holiday even if I went interest only it would only be for the 6 months and then after that there would be a recalculation and the monthly repayments would go up to cover the 6 months missed repayments

OP posts:
shhblackbag · 05/10/2025 22:05

Eeeek1 · 05/10/2025 22:03

Should have said we are not married

Thank your lucky stars.

Eeeek1 · 05/10/2025 22:03

TheDayWeGotMinnie · 05/10/2025 22:02

I'd say you need legal advice pronto. Divorce him and let a court decide.

Should have said we are not married

OP posts:
TokenGinger · 05/10/2025 22:02

Rather than take a mortgage holiday, can you switch to interest only payments for a while?

TheDayWeGotMinnie · 05/10/2025 22:02

I'd say you need legal advice pronto. Divorce him and let a court decide.

Eeeek1 · 05/10/2025 22:00

Leeds2 · 05/10/2025 21:58

Is the house in both of your names, or just one of you? Hoe long have you owned it? Who has been paying the mortgage?

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

OP posts:
Leeds2 · 05/10/2025 21:58

Is the house in both of your names, or just one of you? Hoe long have you owned it? Who has been paying the mortgage?

Eeeek1 · 05/10/2025 21:58

Halfquarterbag · 05/10/2025 21:56

Don’t feed him.

I’m not and have not done a thing for him for months!

OP posts:
Halfquarterbag · 05/10/2025 21:56

Don’t feed him.