HI Johnz. we (the family) usually spend it with our parents, hence the silence (sorry for that). In terms of how things are going 1) We have talked and talked and she is facing up to her responsibilities. 2) I took your advice and told her about this forum and more specifically your comments regardi...

Thanks Melanie. I don't think there is a relationship problem here (I maybe wrong) rather a deep rooted one from her youth as it now transpires her parents have bailed her out twice in the past before we met and had children. Formal insolvency whilst it seems harsh would offer myself a certain assur...

Thanks everyone I think counselling is the first port of call followed by a plan of action.

Update and thanks for your comments so far. After long conversations today it turns out the debt is much greater. 46k to be exact (I was totally shocked as there is nothing to show for it apart from a spending habit of around £100-150 per day). The only joint account we have is the mortgage and we a...

My partner I I have been together for 15 years and have three Children. 18 Months ago she informed me of around 25k's worth of debt luckily with some juggling I managed to transfer the value onto our joint mortgage. Recently I have found out she has run up another 25k worth of debt and I am struggli...