Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

DP wants more money

464 replies

Itsnotbeeneasy · 18/02/2024 01:01

Trying to keep this as concise without losing the detail or drip feeding!!

4 kids in total - blended family. 2 each. I moved into DPs house 2.5 years ago

When I moved in I asked how much he would want in contribution each month - he was unsure so I asked for vague bill amounts (utilities and mortgage) each month and then added extra for me and my 2 kids being here, halved the total and that’s what I pay. This was half to mortgage and all utilities/bills. He was v.happy with the initial figure

Obvs as we all know bills have increased since so I have increased my payment each month slightly without him asking. Then - he let slip that I was paying more than he was per month. Bear in mind I’m paying half his mortgage.

DP is now asking for a higher contribution again but is flatly refusing to let me see bills for utilities to work out the fair figures stating that if I have any record of these then I would have a claim to his property - which as said is in his name - and instead wants me to pluck a figure out of the air that I would ‘be happy with’

I will add I own nothing - I’ve only just got myself out of debt, no property etc. If we split I’d be homeless and renting - no savings. He has told me time and time again that he has £150k+ of equity in his property and keeps throwing in that he could buy a small property and be mortgage free

I think this conversation is a knee jerk reaction to this months salary I revived which has been a lot higher than ‘normal’ - and I quote he said ‘if I was paid that salary I wouldn’t have any issues’ - I have just received £4.5k after tax this month - a lot higher than usual as I’m on commission. I earn between £2.5k-4k usually after tax each month and until now had been paying off debts - finally clear now (mortgage shortfall on my house and debts my ex husband put in my name - it’s been really shit)

Its all felt very grabby tonight - I told him when I moved in that I wanted to save enough to buy a rental property so my kids have an asset it at least have a decent savings account - at the point I can do that he is now asking for more money.

Please help. I dont want to use gaslit as a throwaway phrase but I need some opinions

OP posts:
DriftingDora · 20/02/2024 19:14

If OP thinks she's resolved things then that's entirely up to her. I couldn't live with it personally, but whatever some of us think about the situation, she's the one who has got to get on with it. Quite honestly, I find it much more concerning that she's said her partner drinks too much and is an emergency worker.

pineapplesundae · 20/02/2024 18:51

Sounds like you’re in a good place with your DP. Now he knows not to push. Good luck to you both!

Valtine2 · 20/02/2024 18:10

This man sounds finicially abusive. So you don't really know how much the man's mortgage is? He could be mortgage free for all you know. Sorry but I wouldn't move in a man's house with my DC you are in a VERY risky position. The man can't be trusted. I actually think this would be the end for me!

cherish123 · 20/02/2024 18:01

@Doughnut100 is right. You don't have a claim on your boyfriend's house. You knew the situation when you moved in. He is obviously not very nice but, ultimately, why would you have a claim on someone's mortgage?

Lollipop81 · 20/02/2024 18:00

MiltonNorthern · 20/02/2024 17:17

Because this isn't her landlord it's her partner! Why should he profit from her?

Being with someone shouldn’t mean you get to live rent free. At the end of the day I’m with the OP on this, I think your going off on a tangent. I’ve always paid my way, which is half to everything regardless of who owns the house.
the op is happy to pay half but it’s becoming clear she is paying more than half, which definitely isn’t ok.
just curious if you owned a house and was paying the mortgage, would you let a partner move in with you and only pay half towards the household bills and nothing else.

payens · 20/02/2024 17:28

Don't tell him how much you earn, or anything about your finances. He's treating you like a lodger while you help pay his mortgage

MiltonNorthern · 20/02/2024 17:17

Lollipop81 · 20/02/2024 17:07

You’re throwing your money down the drain if you are renting, that’s life. Why should she be able to live somewhere rent free. Should you have a claim on your landlords house if you are paying rent, which is most likely to cover all of the mortgage 🤷‍♀️

Because this isn't her landlord it's her partner! Why should he profit from her?

Lollipop81 · 20/02/2024 17:07

Snowbear32 · 19/02/2024 20:47

No she shouldn't be paying his mortgage. They are not renting together, he is the homeowner and she isn't. If they split up without her having any claim to the house then he will get to keep all of her money that she has paid into the house towards the mortgage and she will be left with nothing. She may as well just be throwing her money down the drain if there isn't any legal protection for it.

You’re throwing your money down the drain if you are renting, that’s life. Why should she be able to live somewhere rent free. Should you have a claim on your landlords house if you are paying rent, which is most likely to cover all of the mortgage 🤷‍♀️

QueenCamilla · 20/02/2024 15:02

@Mirabai
Indeed. Anything less than that is foolish.
OP is bending backwards (I'll be alright, I'll have inheritance... ) to facilitate his financial future as a single man, whilst completely ignoring her own needs and risks.

OP, I hope you don't inherit whilst still with this schemer - he'll most likely persuade you to pay off his mortgage with that money in one way or another.

Mirabai · 20/02/2024 14:35

goody2shooz · 20/02/2024 14:28

@Itsnotbeeneasy what I don’t understand is why you are paying all bills and utilities (as well as half his mortgage)? Why are you not paying half of the bills and utilities?

I assume that sentence in the OP meant half to mortgage half all utilities/bills.

Mirabai · 20/02/2024 14:33

Why would you encourage OP to protect his asset if you married/went on the mortgage? Why are you not considering protecting your own assets? Why would you ever pay a mortgage on a property you will never own? You’d be much better off paying your own mortgage.

So has he now agreed total transparency and access to all utility bills and splitting all costs fairly? Are you now ceasing to pay his mortgage? Will you draw up some kind of rental contract to protect you in the event of a split? At the moment you have less rights than a lodger.

goody2shooz · 20/02/2024 14:28

@Itsnotbeeneasy what I don’t understand is why you are paying all bills and utilities (as well as half his mortgage)? Why are you not paying half of the bills and utilities?

Itsnotbeeneasy · 20/02/2024 14:24

For the purposes of anyone who has commented on my ‘interest’ in the property, im actually not interested in the house or any finances I would be ‘owed’. I certainly wouldn’t do a lengthy legal case, I have a lot more pride in myself. What my point was, which tbf I didn’t make clear, was who on earth had told him I would have ‘everything’ if I know what the bills are etc. I’m actually the one who has actively encouraged DP to protect his asset with a deed of trust if I were ever to go on the mortgage or get married. On the other side of things, if I receive inheritance from family which i may (or may not - I know to never rely on these things), then I would be in a far stronger financial position than DP anyway.

As it is, I think if anything, all this has shown me is I do indeed need to get all ducks in a row financially. I wouldn’t leave DP over this - we are actually quite happy together otherwise, kids all happy etc.

The entire situation did also allow me to make my feelings crystal clear to DP about how I feel about household finances and that he needs to take more control of his own finances. I also don’t think he would ever dare to make this suggestion again!! I was utterly livid for days.

OP posts:
GabriellaMontez · 20/02/2024 14:02

MiltonNorthern · 20/02/2024 13:35

What actually is the point in this bickering about beneficial interest? Yes it's theoretically possible, no it's not actually something that the OP can do. End of, surely?

I don't think anyone here can judge from what the op has said, if it's a possibility for her.

What we can do is let her know it exists. Then she can get legal advice, if she chooses.

Finally, someone else in a similar situation may be reading this thread.

And they deserve to know, that some totally incorrect legal advice has been repeatedly handed out, as if it was fact.

MeridianB · 20/02/2024 13:50

So depressing that you intend to stay with this loser who has already shown you who he is. Why contemplate a lifetime with a lying problem drinker who is bad with money and shows you no respect. 😟

Mirabai · 20/02/2024 13:42

My 2 above posts explain why it’s of relevance even if OP wouldn’t pursue it.

Moreover, Op continued with this status quo for 10-15 years say, put her payments on DD labelled “mortgage” and contributed to renovations, then she’d have a reasonable claim.

MiltonNorthern · 20/02/2024 13:35

What actually is the point in this bickering about beneficial interest? Yes it's theoretically possible, no it's not actually something that the OP can do. End of, surely?

Mirabai · 20/02/2024 13:19

DriftingDora · 20/02/2024 13:09

And, as a by the way, any claim on a property to establish a beneficial interest is indeed very complicated. It would cost a huge amount of money for court fees (that's the only way to try to win anything) and hardly a route the OP wants to go down or could afford. A solicitor would need to prepare a case for the courts.

Yes, and some posters rather 'gloss over' these aspects, or don't mention them at all in their earlier posts - don't they?

Because as I said above whether she would actually make a claim is not the point, the point is that her DP is keen to do nothing that could form the basis of a claim, but is doing so all the same. So he and OP needs to know that.

DriftingDora · 20/02/2024 13:09

LetusandLoveit · 20/02/2024 07:28

For the benefit of the op or anyone else in a similar situation. It ispossible to establish a beneficial interest in a property without being married.

It's complicated and something you'd need to speak to a solicitor about.

You can tell@LetusandLoveit doesn't know what she's talking about, because real lawyers and experts don't give out legal advice on Internet forums.

@GabriellaMontez So presumably you are a 'real lawyer' because you're correcting what I said? 😂And giving advice!

There are several posts here by people who say they are qualified to advise.

And, as a by the way, any claim on a property to establish a beneficial interest is indeed very complicated. It would cost a huge amount of money for court fees (that's the only way to try to win anything) and hardly a route the OP wants to go down or could afford. A solicitor would need to prepare a case for the courts.

And, as a by the way, any claim on a property to establish a beneficial interest is indeed very complicated. It would cost a huge amount of money for court fees (that's the only way to try to win anything) and hardly a route the OP wants to go down or could afford. A solicitor would need to prepare a case for the courts.

Yes, and some posters rather 'gloss over' these aspects, or don't mention them at all in their earlier posts - don't they?

LetusandLoveit · 20/02/2024 12:29

GabriellaMontez · 20/02/2024 10:53

What? You knew you were repeatedly posting incorrect legal advice?

I hope there are no consequences of this for anyone.

I read your latest and literally laughed out loud.

Have a good day (but don't read all the other posts saying the same as mine or you ight get very worked up.)

DriftingDora · 20/02/2024 11:02

GabriellaMontez · 19/02/2024 22:34

For the benefit of the op or anyone else in a similar situation. It is possible to establish a beneficial interest in a property without being married.

It's complicated and something you'd need to speak to a solicitor about.

You can tell @LetusandLoveit doesn't know what she's talking about, because real lawyers and experts don't give out legal advice on Internet forums.

It is possible to establish a beneficial interest in a property without being married.

It's complicated and something you'd need to speak to a solicitor about.

Firstly making sure you have a million or so in your bank account - you'd need this for the lawyers' bills. All very well saying ' you can do this, that or whatever' - and saying 'but it's complicated' is the under-estimation of the year. It's not just 'complicated', it's unusually completely unviable. Where's the money coming from to pay for the legal representation needed to actually do it? It's hardly a walk in the park to do yourself, it requires solid proof, and as I've said on here before, Tightwad partner will hang it out as long as he possibly can (he'll probably take advice and be advised to do so), knowing that she hasn't got the money to pursue it. Let's come into the real world here.

Mirabai · 20/02/2024 10:59

Whether OP could or would go to the stress and expense of a court case to argue beneficial interest after 2.5 years is completely beside the point. The fact is her DP is concerned about any payments that could create just such a circumstance - which is an excellent reason to stop making them.

Better still - leave.

GabriellaMontez · 20/02/2024 10:53

LetusandLoveit · 20/02/2024 10:03

@GabriellaMontez At least I'm not wasting my time being insulting and calling other posters names. How childish.

And as a matter of fact I was aware of the legal side before I posted.
The odds of the OP getting a share in the property based on what she has said are incredibly low. So low it's probably not even worth considering.

Maybe take issue with all the dozens of other posters who've said the same thing? You'll find it takes up a lot of your day!

What? You knew you were repeatedly posting incorrect legal advice?

I hope there are no consequences of this for anyone.

LetusandLoveit · 20/02/2024 10:03

@GabriellaMontez At least I'm not wasting my time being insulting and calling other posters names. How childish.

And as a matter of fact I was aware of the legal side before I posted.
The odds of the OP getting a share in the property based on what she has said are incredibly low. So low it's probably not even worth considering.

Maybe take issue with all the dozens of other posters who've said the same thing? You'll find it takes up a lot of your day!

GabriellaMontez · 20/02/2024 08:43

LetusandLoveit · 20/02/2024 07:28

For the benefit of the op or anyone else in a similar situation. It ispossible to establish a beneficial interest in a property without being married.

It's complicated and something you'd need to speak to a solicitor about.

You can tell@LetusandLoveit doesn't know what she's talking about, because real lawyers and experts don't give out legal advice on Internet forums.

@GabriellaMontez So presumably you are a 'real lawyer' because you're correcting what I said? 😂And giving advice!

There are several posts here by people who say they are qualified to advise.

And, as a by the way, any claim on a property to establish a beneficial interest is indeed very complicated. It would cost a huge amount of money for court fees (that's the only way to try to win anything) and hardly a route the OP wants to go down or could afford. A solicitor would need to prepare a case for the courts.

Well it's good to see you've finally done a quick Google and discovered there is a route to claiming a beneficial interest.

Perhaps you should ask for your earlier posts where you declare this is 'misinformation' be deleted.

Its a shame you're still arrogant enough to presume to know what legal route the OP should be going down.

By the way, I don't offer any legal advice on any of my posts other than 'speak to a solicitor'.

Swipe left for the next trending thread