Partner refusing to pay

[Eeeek1]

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

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?

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.

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

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

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

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.

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

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

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.

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

Thank you for your comments to answer some.
I have checked and I do not appear to be entitled to UC
I will absolutely be taking out his share that Iv been paying from the proceeds of the sale.
I have no idea what he is living on I assume credit cards. There is no other money stashed away.
He is self employed so hasn’t been sacked just not taking any work on. No idea what he does during the day.
He won’t want 50/50 of child care.
With the interest only this is offered for 6 months only. If after that time the house is not sold the mortgage goes back to repayments and is recalculated to include the 6 months missed repayments so would go up. This is what worries me as I can’t afford it now let alone if it goes up.
I can apply for interest only once there is an offer.
Will work on getting the house sold asap!
thank you

No I don’t think so and I don’t think he believes we will even separate. (We are not married)
Any future plans I make won’t be reliant on child support.

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.

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.

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.

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.

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.

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.

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

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.

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

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!

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

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

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