I was supposed to be getting married in 6 months..

I-Heart-Me

I desperately need some advice. My fianc! told me on Hogmany he wasn't sure if he wanted to be with me anymore. Today I found out he's been having a affair.
I need to proceed with cancelling the wedding plans but I also need to sort out the house stuff. I have packed his stuff and left it in the garage. I called CAB and asked that if I throw him out does he still need to pay the mortgage and they advised yes - I hope this is the case.
So does he still need to pay half of all the other bills too? Join loan, sky, virgin, gas & elec, tv licence and council tax?
To add a twist, he is in court tomorrow and tells me he is likely to lose his licence and his job - where do i stand with paying the bills etc?

RAS

You are in Scotland so need to make sure people understand that as the law is very very different.

Important things first:

Do you have any joint bank accounts? And joint credit cards? and is the loan in his name, yours or joint names?

Toothfairy4

What a horrible situation, but thank god you found out before saying 'i do'. From a practical aspect, he is liable for anything which has his name on it (mortgage, joint loan and anything else which is in his name). However, i believe that say if the electric is in your name he is not liable. I'm sure someone who is more knowledgeable than me will be along soon.

Upsidedown_Bear

You might find this helpful from CAB Scotland:
http://www.adviceguide.org.uk/scotland/relationships_s/relationships_relationship_problems_s/ending_a_relationship_when_you_re_living_together_scotland.htm

I-Heart-Me

OK, so he was sequestrated a few years ago so I jointly own our house with an accountancy company. My dad is going to pay the £5k to satisfy the accountancy & Bankrupcy Scotland and that will allow the house to be transferred into my dads name jointly with mine as long as the mortgage company agree.
Currently he is still on the joint mortgage.
I don't know what that means for the mortgage going forward? Its with NRAM so I know they are not keen to keep customers which is worrying

No, the loan and all the utilities are all in my name only due to the sequestration
I thought we were in love and getting married so this never really bothered me. I should've been more protective of myself I realise.

marisco_2

I hope the advice already given helps you to sort out the financial side of your split. I am really sorry to hear your news. Lean on family and friends for love and support to help you through this awful time.

marywooyeah

IHM sorry to hear this has happened to you please dont beat yourself up this isnt your fault and its impressive that you have had the presence of mind to call the cab and think of practical things.

As a couple of other posters have said the law in scotland is different to England and wales so not sure how much advice anyone here can give you (in relation to the bills, it may be worth waiting to see if a scottish poster materialises and to keep seeking support from local organizations. Xx

paulineb_2

Im scottish but I have no idea about the legal side of things, all I will say is dont take the CABs word for it, get some legal advice, it might be worthwhile picking up the phone to shelter, they have scottish offices as well and Im sure theres a helpline, if they cant tell you themselves Im sure they'll be able to point you in the direction of someone who can help.

I-Heart-Me

Yeah I am dealing with the shock at the same time as trying to protect myself. I have thrown him and all his stuff out but I've read I can't legally change the locks so I am scared to leave the house in case he comes back and takes stuff

Polmop

I-Heart-Me wrote: »

Yeah I am dealing with the shock at the same time as trying to protect myself. I have thrown him and all his stuff out but I've read I can't legally change the locks so I am scared to leave the house in case he comes back and takes stuff

But there is nothing you can do if you lose your keys!!!. You have to change the locks

dancingfairy

I believe joint bills are up to you both to pay jointly. Whether he will (or indeed can afford to) is another matter entirely. The other thing is obviously if he doesn't pay and you only pay 50% then it will affect your credit rating as well. Basically don't count on him to pay anything as a worst case scenario and protect yourself and your credit rating as much as possible.
Joint accounts should be paid off if possible and closed.
You should also see about filing a notice of severance/seperation on your credit file to disassociate yourself from him.
National Debtline Scotland which should have info regarding credit files, joint accounts etc: http://www.nationaldebtline.co.uk/scotland/debt_advice.php
The factsheet on credit referencing, disassociating etc is here:http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=12_credit_reference_agencies
df