Welcome to the forum Casey4.

I guess the starting point is that nobody can make you hand over your bank statements. You're not in a trust deed.

The trustee does have a legitimate interest in understanding your husband's financial situation though. His payment will continue to be based upon affordability. That means they may need to see evidence of the bills he is partly responsible for. It also means they'll want to understand that he's paying only his fair share of the bills (because if he was paying more than his fair share this would deprive his creditors of money he's agreed to pay them).

I suspect you'll find that the reviews are annual, though different firms may have different processes. If it's a major sticking point for you, perhaps the bills could get transfered to his bank account and you make a monthly contribution into it to cover your share of them?

Hi Casey4 and welcome to the forum.

Like TDA has advised when it comes to looking at someone’s financial circumstances if they are in a relationship and living together it’s recommended that we try and do this as a household. This is to ensure that we strike a fair balance between the partner and the clients creditors and that any payment is affordable and sustainable.

The fairest way is to work out the household income, all of the household bills and then whatever is left over is split between who earns what in the house.

For example if after you have paid all the bills together you have £400 left and your share of the household income is 60% then you get 60% of the £400 and your husband’s payment is £160 (40% of the £400).

When I’ve completed budgets some partners are happy to provide information and others are not and that is completely understandable. In that situation there is normally always a way to work around things but we do need to see some sort of evidence of the bills.

If for example you pay the mortgage, council tax and utilities then you could provide copies of these bills rather than your bank statements. As TDA has suggested going forward you could transfer the bills onto your husband’s account and then transfer him in money to cover these as your share.

I’ve learned over the years that couples can work their financial circumstances differently and it’s about trying to work around this as an advisor to ensure everyone is happy. The impact that it has on you should really be minimum in all of this. Don’t feel pressured into giving information that you are not comfortable with.