Research by the Debt Advisory Centre showed two-thirds of Brits felt unable to ‘break free’ from an ex-partner because of joint finances and debts.

A third of people said they had an outstanding joint rental agreement when they split, with 25% having a joint mortgage in place.

Insufficient levels of income mean both partners often have to move out of their home, although 6% are forced to continue living under the same roof.

Other financial arrangements also prove difficult for couple who split up, the report said. A fifth of people (21%) cannot agree who is responsible for paying off the joint credit card while a further 15% still have money shared with their ex-partner in a joint account.

Those aged between 25 and 34 are most likely to have a tenancy agreement with their former partner (39%) while for those over 55 a joint bank account is the most likely problem (22%).

Ian Williams, a spokesman for Debt Advisory Centre, said problems like this were becoming increasingly common.

“After the break-up of a relationship most people want to have a clean break and move on with their lives. It can be tough to do this if you are still financially linked to your ex,” he said.

“The last thing you want is to find that you are solely responsible for paying loans, credit cards or even a mortgage that you committed to together. While it can be difficult, it’s important to agree a plan for separating finances and paying-off debts. Couples should seek the help of a third-party to mediate if things have become acrimonious.”