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Andrew Newbury, head of Pannone's family, personal and financial team, says: "Nasty surprises have always been a problem.

There's always been a certain type of family where they've lived in debt.

Caroline Hamilton, debt counsellor with debt counsellor debt the Consumer Credit Counselling Service (CCCS), says: "If one party is more able to pay, the bank will certainly chase that party." So, if the total monthly mortgage payment is £400, the bank may well require one partner to pay that in full if the other is not earning and has no funds.

However, banks have to consider compromises in hardship cases.

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