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Husband has moved mortgage payments

(13 Posts)
Nighowl Sat 05-Oct-19 07:38:16

Alarm bells are ringing. We are in the process of possibly separating. I’ve just been going through the bills and this months mortgage payment is not showing in our joint account. Instead there is a payment for that amount plus a bit more to my husbands own account. Indicating that the direct debits has been changed to his account without my knowledge. Obviously I’m going to ask him about this but what could his real reason be? I’m sure he will have a very valid and convincing reason but my gut instinct is telling me this isn’t good.

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aweedropofsancerre Sat 05-Oct-19 07:44:32

Sounds suspicious and he clearly thinks by showing he is paying the mortgage that he will be staying in the house and try and argue during divorce that you haven’t contributed. He is an ass, I have no doubt you will have your bank statements showing you both paid and are named on the mortgage. Go and see a solicitor as this is going to get messy

NotSuchASmugMarriedNow1 Sat 05-Oct-19 07:48:50

So the mortgage payment hasn't gone out of your joint account and there is a payment for the same amount of money into your husbands own account. Is that what you're saying?

First you need to check that the mortgage has been paid by contacting the mortgage company. It's possible that he has taken the money and not paid the mortgage.

If he HAS paid the mortgage from his own account, i'd be highly suspicious that he has done this in order to build a case for himself and state that he alone pays the mortgage. In a way this is a good thing because it gives you some insight into his motives. Even if the mortgage payment does come out of his account it won't make any difference to the financial settlement.

I'd be focussing on pushing through the divorce before he does any more financial damage and i'd also be gathering information about finances.

Nighowl Sat 05-Oct-19 07:55:37

We only decided to separate two days ago. He must have changed this before we decided. Also he changed the the mortgage into his name without my knowledge when we changed the mortgage over.... I know I know!!!! I went mental at the time but he said it couldn’t be changed back without making our repayments too high.... at the time it made sense as his business had collapsed and we were scraping by. I think I’ve been very naive and stupid haven't I. We have a lot of equity. I was out of work to look after our children for about 7 years but I’ve been working part time for 3 years now. Sorry I’m slightly panicked as it was all so amicable two days ago and now this!

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NotSuchASmugMarriedNow1 Sat 05-Oct-19 08:00:52

Don't worry about whose name the mortgage is in (I can see why you're divorcing him though after what he did).

Now would seem like a good idea for you to close the joint account and start separating your money, especially as, essentially, you are paying money into the joint account but he is taking it out and putting it into his own account. For this reason if nothing else i'd be closing the account.

Don't expect it to be amicable. What sort of divorce settlement did you have in mind?

bionicnemonic Sat 05-Oct-19 08:02:07

Could you contact the mortgage company and tell them you think he has deceived you about the mortgage going into his own name and the reasons he gave you. I think you need to see a solicitor

MrsMoastyToasty Sat 05-Oct-19 08:06:38

How can he take your name off the mortgage or deeds without your permission? That doesn't sound legal.

Nighowl Sat 05-Oct-19 08:14:21

I don’t know how he did it. But I found out when the paperwork came through. I’m guessing I must have signed something along with all the mortgage paperwork but can’t remember seeing this. Once house is sold I should get 100k but I will have to use this for my rent as wont get any benefits unless I can somehow manage to get a mortgage first on my wages which are not very high. If we removed the joint account I could not afford to stay here. He is the high earner I do all the childcare. Saw CAB yesterday and they advised I stay in the house. I’m happy to work more hours and suggested he have the kids going forward at least two of the working days so I can up my hours( he can work from home) he flat out refused! Sorry I’m going off on a tangent here my mind is now racing.....

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SunnySummerDays Sat 05-Oct-19 08:16:02

If it’s a joint mortgage you are both equally responsible to pay. Phone them and ask has it been paid? You will find out then if your name is on it. You can also search land reg and it will tell you the ownership . It’s a small charge to look.
If it’s a joint mortgage and you can ask for them to notify you of changes or get something on it to alert them two signatures for any changes etc

aweedropofsancerre Sat 05-Oct-19 08:33:20

See a solicitor urgently. The reason he is so amicable and nice is that he has been shafting you for years.

Inniu Sat 05-Oct-19 08:37:16

What is in his name the mortgage or the house?

If the house was in joint names and now only in his and you didn’t know you were transferring it to him then that is fraud,

KUGA Sat 05-Oct-19 08:39:59

You need to see a good solicitor asap.
Clearly he is up to no good.
Could also be hiding money.

Nighowl Sat 05-Oct-19 08:50:20

I feel so silly 😭 I know exactly what I’d say to someone that has done what I’ve done and can’t believe u just let it slide at the time..... it was causing such a big tue with him saying I didn’t trust him or have faith in our relationship that I ended up feeling guilty about questioning him.... I know he’s going to say something totally plausible when I ask him.... well I was doubting my drs ion yesterday this kind of confirms I’m right doesnt it

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