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Before I can offer specific advice, I have questions. You bought the flat a year before you two even met? How many of the 4 yrs. you have been together has he lived in the flat? The answer to that question plays the utmost importance in what I would say. Living there 4 yrs. vs. 4 mths. deserves completely different responses. Since he pays half the mortgage and utilities, is it safe to assume he works?
My knee jerk reaction is that you both live there, so how is the damage "your mess"? Then, why would you foot $700 of the bill and only ask for $100 from him? Then again, why in the hell would you asking for $100, make him a financial doormat? Methinks there is quite a bit of info. not being supplied here. If you've saved money for this and a vacation, then perhaps, regardless of him, you should use your money to protect your investment and repair the bathroom. I would like to help but I don't have enough to go on.
As an aside, is it possible that you could re-finance out of your interest only mortgage to a fixed one?
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'Beware the Jabberwock, my son! The jaws that bite, the claws that catch! Beware the Jubjub bird, and shun, The frumious Bandersnatch!'--Jabberwocky, Lewis Carroll
"You cannot do a kindness too soon because you never know how soon it will be too late."--Ralph Waldo Emerson
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