Hi Gary,(posted 7597 days ago)I am in the same position as you with my fiance (he is the one with the alleged debt) but I do keep all costs separate. Luckily we also get paid on different days so although we have a joint bank account a standing order is taken from my salary which is paid into a bank account in my name only from which all housing costs, mortgage, electricity, gas even the cable and phone bill is taken so that he cannot be held accountable for anything. I would say that they are so sneaky the banks they may try and suggest that as you have contributed towards the running costs you must have an 'interest' in the property and if you were to separate (they always look on the bright side) you could claim that you had contributed towards it. I don't know if this is right but where these b*****s are concerned I'm always wary. We have also decided that before we get married we are going to set up a pre-nuptial agreement which states he has no interest in the property. As you so rightly say you don't want to risk what your partner has also accumulated, nor do you want to risk what you are going to accumulate together. I have a couple of mates who are lawyers and they advise that when you marry the law changes yet again so it is advisable to get a pre-nuptial. Hope this helps.