I am paying him a monthly amount which covers half of all bills including mortgage, council tax, utilities, food, etc and an amount to cover car maintenance and running costs. I no longer own my own car but do have the use of his when I need it, although I take the train to work every day which costs another £70 a month. My question is - as I am paying him a monthly amount, does this constitute us being "financially tied" even though we have no joint accounts or joint debts? My partner does know about my DMP but is worried that he may be affected, particularly if part of the amount I give him is towards the mortgage.
Also, I am slightly concerned that my creditors may take a dim view of me now paying considerably more to my partner each month than I was paying in rent previously as I am now in a much nicer property. Up to now my creditors have been pretty good and left me alone, but I'm worrying that this might start them off again.