We were silly with credit cards before we married and both had debts built up when we met. I took voluntary redundancy 2 years ago and managed to pay off a lot of our debt but we still have 2 credit card debts outstanding - one for £6,000 and one for £1,500 and when we took out our mortgage we took out a loan as well which is currently owing £23,500. We are with Step Change and pay £167.00 per month.
Absolutely not. Even if we were together I would want to sell pretty soon as it is a 4 bed house and my son recently went to University and my daughter is in lower sixth and will be going to University in about 18 months.
When I move out I will have to have a job - my previous job paid about £12,000 per year so I will probably get a job with a similar wage - will he still not be able to make me pay towards mortgage?
Thank you for your help, just one more point - can I take my name off the mortgage without him knowing?