I live with my partner and have done so for the last 5 years. The house is in his name only. I have never contributed to the mortgage. I don't pay him rent either but have shared some household bills. When I took advice about going bankrupt I was advised to find out about beneficial interest. I rang the Insolvency Services, who told me that I have nothing to worry about, as my partner already owned the property and I never contributed to his mortgage, I would very unlikely be deemed to have BI in his house.
Now I worry that advice is just advice, and that the OR dealing with my case will see things differently. Anyone on this board with a similar situation? ie living with partner who owns the house?