Marry me, marry my debts?

Nope. Debts belong to the debtor, not the house or the spouse.

You are not obliged to fill out any statement of account forms as though you were in a joint household and no debt can be registered against your husband, unless he actually agrees to this and you have a joint understanding, such as a credit card for instance.

There are some issues around joint accounts when one of the partnership has a bad credit rating, so my advice is to not enter into such an arrangement until your DMP is finished. Essentially, mortgages in joint names will take into account BOTH credit ratings and therefore you could potentially destroy any chance you both had of getting a mortgage. In my own case, my OH is the naughty one but I could finance the house independently...what the bank doesnt know wont hurt them, so its all good.

Now, if the debt is a secured one and you enter into a joint ownership arrangement of that surety, then, potentially, it could blow back on your spouse if it all went wrong later down the line.

Consumer credit applies to the individual though.

marzom wrote: »

So how do you do a SOA if you are able to exclude your partner? For instance I pay my wife a certain amount per month to cover Council Tax, gas, electric and share food costs. Everything is in her name as I do not want any joint house ownership etc until I am debt free.

Would the amount I pay go down as board/rent/lodgings?

You either put down the partner's contribution as partner income rather than the full income or no partner income and only include half the joint expenses and none of the partners personal expenses.

The only thing to mention is that if you haven't told your fianc!e about it (and I'm sure you have), this could bite you later down the line if you apply for a mortgage or something.