Split but can't afford to move on.

[HelenK73]

The relationship between me and dp has broken down irreparably as far as I'm concerned and probably him too. He has been sleeping in a separate room for the past two weeks, leaves before i get up and goes to bed as soon as he gets in. I am left to look after all the needs etc of our 18 month old. If I could move out i I would. He is refusing to go. I have just started teacher training and have no money to move out. Financially, I would be better off if I did but unfortunately due to a ccj i got 5 years ago i never pass credit checking. I dont have anyone that can be a guarantor either. Besides I love the house we are currently renting, the lease is in his name but it has all my furniture in, and I've made it a home. It's also one of the cheapest houses in the area by at least 200pcm. I dont want to move my daughter to emergency accommodation and leave all our stuff behinf just to get on the housing register. Does anyone know what my options are? If we lived separate lives but in the same house how would that be viewed. I just want to gather as much info as possible before pulling together a plan. TIA x

There's no way you are going to be able to live together but separately, try and get him to move out, would he not even do that for his child, you won't be entitled to any single parent money whilst he's living under the same roof as you; surely he can go somewhere, back home to his mum?

This is a tricky one because the house is rented in his name and that creates on ongoing liability for him if he moves out and lets you stay. It’s not a very advisable thing for him to do. The landlord might not accept the arrangement. Plus you need to be really sure you can afford it. If you can get cheaper and more affordable then do that as you do not have a large income and need to build a financial buffer.

Would the landlord offer you the tenancy in your own name or you ex be the guarantor if you found somewhere else?

The current arrangement isn’t tenable and you ex will get sick of it quickly. So you need to prepare for change.

Thanks for the advice. That's pretty much as I thought. I think I will have to bite the bullet and address the topic with him and see if he will agree to moving out or something similar. I'm just dreading having the conversation. Every time we talk it descends into arguing pretty damn quickly.

Can you get a free half hour with a solicitor to look in to your rights?