08-26-2011, 02:48 PM
Join Date: Aug 2011
| | Re: Irresponsible with money - help!
Hi, Thanks for the advice. I have done all those things for the past 6 months. The problem is with his debt repayments he needs to take a second job or sort out a loan to cover the payments as his salary doesn't do it. I've tried talking to him about this many times but he refuses to budge, does nothing and then starts blaming me.
I've left his account so that the mortgage payment still comes out on the same day despite the fact that this will take him over his overdraft limit to see if a letter from the bank will work. However, the payment simply bounces and he doesn't care. I don't want to default on the mortgage but nor do I want to pay his share as this will not solve the deeper issue that he is acting completely irresponsibly and with a baby on the way I need to be able to rely on him and not always pick up all the financial pieces.
I've considered divorce but I know he will refuse to leave the house and not cover his share of the mortgage. I don't know what my legal position is in this situation? I think, as it's a joint mortgage, I would be penalised for the complete amount not being paid.