Partner won’t pay Mortgage share

[NwaChi]

Partner refuses to make contributions. He sponges off everything - won’t contribute to shopping, holidays, treats, council tax, mortgage and just about everything else.

I’m now out of work and can’t carry on. Looking to move to my mums as can’t live this way anymore.

Anyone know how this effect the joint mortgage and council tax?

What is his excuse exactly? When you ask why he won’t contribute, what does he say??

You are both responsible for the mortgage so if its not paid the Bank will come after both of you BUT if one is more easily traceable they will try them first.
You will both and up with bad credit and possibly in court

What's the deal - are you both named on the mortage? Is this a recent behaviour or have they always been like this? What's their employment situation?

Moving out won’t absolve you of responsibility so nothing will change other than you not living there

Can you sell the house, why doesn't he pay anything.

You will still be liable but at least you won't also be paying to feed, clothe and entertain him.

Ultimately the house will be sold and the bank will get their money. You and your hopefully now ex will get what if anything is left.
Tell council tax you no longer live there.

There's no sense throwing good money after bad.

In this situation you are going to have to sell up unless he gets his act together pays his share and you find work. What do you mean he refuses to contribute ? Has he ever contributed ?

I would contact your mortgage provider and explain the situation, they may allow you a break which will buy you some time to sort things out. This will probably mean splitting up and selling the house asap. You can't just move out and ignore things unless you want to end up in debt and with a bad credit record.
Your partner is an arehole and you'll be well shut of him.

Why didn't you do anything when you were in a job? Eg split up, tell him to leave etc. I'm not saying you didn't or that you are to blame but a lot more background info needs to be given here.

Like:
Are you married?
Do you have children and if so are they both of yours?
Was the initial money put down for the house equal?
Has it always been like this?
Has he worked and ever paid towards anything?
What have you said or done before this?

These were the questions I had. A bit more info would be helpful OP.....

Honestly don't understand how this happens. How long have you had the mortgage? Is it in both of your names? How was the direct debit set up? From a joint account? Has he stopped paying into that or did you always just pay half and half or did you pay and he's supposed to reimburse you? All very odd.

Same with council tax - how does he not contribute?! Our pay goes into our own separate accounts but we both pay a % into a joint account and all of the bills come out of there. Do all the bills have direct debits from your accounts alone?

You not being in work won't make any difference to council tax or the mortgage - the deal with the mortgage is that you have to pay a certain amount each month, it's your responsibility as owner(s) to earn enough money to pay them. Council tax won't change if there are 2 adults living in a property. You'd get a reduction as a single adult.

You need to cut all financial ties with this man-baby. My fear for you is that you can't afford to sell at the moment as you'd have to stump up for legal fees etc. Are his friends aware? His family?

Engage with the morgage holder.
Don't ignore the situation.
It sounds abusive.
Better to get in first and get advice as to what you can do to best protect yourself.
Worst thing you can do is not engage.
Ask Citizens Advice for guidance too.

OP, that's not really anything to go on...

Is his name on the mortgage or did he recently move in. Did he have a job and give it up. Do you have kids together.

As PP have already said, you’ll be jointly liable if you’re named on the mortgage. If it’s in his name only then you can just move out.

Selling the house would be much better for your credit rating than having it repossessed as the latter would almost certainly involve you both being found to have defaulted. A CCJ would set you back approx 5 years before you’d rebuilt your score, meaning you would find another mortgage (and even privately renting) very difficult to obtain.

Talk to your lender. See what they can offer in terms of a payment holiday (which may also impact your credit score but not as badly as defaulting would) and then try and get your ‘partner’ to agree to sell up.

Speak to Citizens advice or one of the debt charities for detailed advice.

How are things now @NwaChi? Have you managed to put the house on the market?