living together - is partner responsible for my debt?

angelfire

Hi, I live with my partner and we are not yet married. I have a fair few long standing debts from a few years ago which I want to sort out. Can anyone tell me whether they will ask for our joint income and expenditure or just mine?

Our mortgage, bills etc are all just in my partner's name. ...

partysis81

hi, when i signed up with payplan, they wanted to know about mortgage/rent and you have to give copies of documents proving what you pay each month, so im not sure if theres a way round not mentioning your partner.

My friend has an agreement in just her name, buts that coz she moved in with her partner after the agreement was set up.

As long as your partner doesnt mind being in the agreement, as far as i know the default only goes onto your name, as my husband details were only taken because i wanted his income to be included in the amount i could pay back to them each month.

vicki98_2

i think they may ask for joint income .. it does my head in
I've just had my creditors on the phone as i cannot pay them & requested to put action on hold .. they won't do this as i live with my partner and have asked 'can't he pay it for you!'
I've just explained that he pays the rent/bills & everything as i'm still a student but they kept asking me why partner can't pay it on my behalf

AGB863

If all the debt are all in your name and as they are from a number of years before you began this relationship, you can list your own expenditure and your contribution to the running of the household, ie splitting the utility bills motgage etc.

I work for a voluntary debt management company and we often do this in situations like yours.

We look at it differently if you had been togethor for a long while and the debts had been acrued whilst living togethor, ie your partner may have had the benefit of the money and how it was spent.

Broken_hearted

They have no right to take your partners income into account. They can't ask your partner to pay and you can have a plan based on just your income.
Halifax tried telling me I was a card holder and allsorts of rubbish to get me to pay OH's debt, needless to say I told them to go jump.

angelfire

thankyou all for your replies thus far. I really don't feel it fair for my partner's income and expenditure to be brought into my debts, they had and still have nothing to do with him, they are my responsibility.

the problem is that once nursery fees have been paid i have very little money left each month - he is the main bread winner and so I am worried that I'll be forced, or rather, he'll be forced to pay off the debts.

i really don't want him to have his spare money taken by these companies because of me.

surely until we are married this is not allowed anyway?

Broken_hearted

You make offers of what you can afford not a penny more.

angelfire

AGB863 wrote:

If all the debt are all in your name and as they are from a number of years before you began this relationship, you can list your own expenditure and your contribution to the running of the household, ie splitting the utility bills motgage etc.

I work for a voluntary debt management company and we often do this in situations like yours.

We look at it differently if you had been togethor for a long while and the debts had been acrued whilst living togethor, ie your partner may have had the benefit of the money and how it was spent.

one of the debts is the shortfall of a mortgage I had with someone else ten years ago - the house was repossesed. Surely my current partner/husband to be should not be expected to foot my half of this bill?!

Broken_hearted

AGB863 wrote:

If all the debt are all in your name and as they are from a number of years before you began this relationship, you can list your own expenditure and your contribution to the running of the household, ie splitting the utility bills motgage etc.

I work for a voluntary debt management company and we often do this in situations like yours.

We look at it differently if you had been togethor for a long while and the debts had been acrued whilst living togethor, ie your partner may have had the benefit of the money and how it was spent.

A partner cannot be forced to pay debts in the other persons name nor can their income be taken into account. Unless the partner is willing to pay and then they are still free to stop topping up payments at any point.

partysis81

!!!!!! wrote:

thankyou all for your replies thus far. I really don't feel it fair for my partner's income and expenditure to be brought into my debts, they had and still have nothing to do with him, they are my responsibility.

the problem is that once nursery fees have been paid i have very little money left each month - he is the main bread winner and so I am worried that I'll be forced, or rather, he'll be forced to pay off the debts.

i really don't want him to have his spare money taken by these companies because of me.

surely until we are married this is not allowed anyway?

hi,
regarding his wages, i think you would end up paying them more each month if you included him.
i think this is the case with my agreement, and now we dont have a lot spare each month.

angelfire

Broken_hearted wrote:

A partner cannot be forced to pay debts in the other persons name nor can their income be taken into account. Unless the partner is willing to pay and then they are still free to stop topping up payments at any point.

Does this still apply once we get married? or is it a whole different kettle of fish then?