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adult DSS wants to borrow money

108 replies

queenofcruises · 19/04/2024 16:31

when i met DH his children were all adults, I've never been involved in their upbringing or their care although during the early years of our relationship I helped DH financially supporting said children (a long and complicated story i shall not bore you with).

they all live away from home and have incomes either via paid jobs or benefits. His DSD (so his ex wifes child not his but he sees her and treats her as his own daughter and she calls him dad etc) is getting married at the weekend.

we receive a phone call from DSS number 1 stating that DSS number 2 (they are twins) has had a big bill, has no food and has £40 to last him until next friday and can dad lend DSS number 2 some money. (these are 30 year old adults). upon further questioning it turns out there is no big bill, DSS number 2 has simply been frivilous with his money.

we've had this alot over the years, DSS rings his dad asks for say £10. £20 upto £100 for blah blah blah, and dad just hands over the money, this causes an issue because its OUR money and i have not been consulted. if either of my 2 children asked me for money, i know my DH would be the first to ask why. (i might add that the last request was for £1000 and at the time we were told it was for rent, and when we visited we were greeted by a puppy which we jokingly said i assume this is the RENT you owed, and they laughed and said er yes).

anyway... i know i am rambling! DSS number 2 received a massive refund on some benefit or other, to the tune of about £500 a couple of weeks ago, yet now its all gone.

DH and i have had a discussion, and have agreed that DSS number 2 can borrow £50 which will need to be repaid when he gets his benefits(we dont need the money but its a principle thing) and that we will give him the cash at the wedding. (apprently he needs the money for drinks etc on the day). but I have also stated that this is the last time!

Apparently this is not good enough, the money has to be transfered into DSS number 1's bank account and he will then give it too DSS number 2?

BANK OF DAD is joint money, this lending/giving does not come from DH's bank account, it comes from the joint bank account.

obviously, we would help them financially or any other way if it was life threatening etc.. but these adults need to learn not to run to dad when they want a take away on a friday night?

AIBU in stating that BANK OF DAD is now closed! we will no longer be lending them 'the odd tenner' here and there. they have jobs or benefits, if they have not saved for this event its not really our problem!

OP posts:
queenofcruises · 19/04/2024 19:52

NoSquirrels · 19/04/2024 19:35

DH knows why I'm angry, he knows that he should give his kids (lol i say kids, these people are 30 year olds!), a lecture and he knows that they are telling him Bullshit.. the issue is.. he won't! and thats what really boils my you know what!

Respectfully, this is a Your DH problem as much - if not more - than a lending money or lying problem. If he’s happy to continue to be a mug, that’s his lookout. You may not respect him for it - that’s the problem you need to deal with.

Edited

this is the bottom line yes... if he doesnt deal with it, they will continue to do it. I know.

and before people jump on me with the usual MN man bashing and you need to leave him blah blah blah..

this is not relationship ending... its frustrating and irratating, but i have not found an answer to how to deal with this..

OP posts:
caringcarer · 19/04/2024 19:50

queenofcruises · 19/04/2024 16:47

the grand was finally re-paid yes. I do suspect that DSS 1 is at the root of this most recent request as he has been mentioning lately, he's suspended from work, they have a new baby and money is very tight for them.

DH takes whatever they say at face value, and yes he does carry lots of guilt about their upbringing (but thats a whole massive jeremy kyle episode).

We do have separate bank accounts, and previously DH just gave them what they asked for no questions asked, but i felt that DH was being taken advantage of especially after the 'rent' issue, so we agreed if any requests for money came again, we would discuss it between us and give/lend it together!

I'm confused. If you have separate bank accounts why are you paying half? Make DH pay it from his own bank account.

queenofcruises · 19/04/2024 19:49

ARichtGoodDram · 19/04/2024 19:29

I bet you’d be asking out of concern though…

He has a cheek to say it would have to be something serious to lend your children when his can as whenever and for whatever.

oh absolutely... i ask his kids 'why' just in case on the slim chance they have actually got themselves into trouble!

OP posts:
NoSquirrels · 19/04/2024 19:35

DH knows why I'm angry, he knows that he should give his kids (lol i say kids, these people are 30 year olds!), a lecture and he knows that they are telling him Bullshit.. the issue is.. he won't! and thats what really boils my you know what!

Respectfully, this is a Your DH problem as much - if not more - than a lending money or lying problem. If he’s happy to continue to be a mug, that’s his lookout. You may not respect him for it - that’s the problem you need to deal with.

ARichtGoodDram · 19/04/2024 19:29

queenofcruises · 19/04/2024 17:58

DH is well aware that my 2 DD's have very good jobs, were always encouraged to save and have very recently inherited a substantial amount of cash when their dad passed away! even i would be asking why if they came to me for money!

I bet you’d be asking out of concern though…

He has a cheek to say it would have to be something serious to lend your children when his can as whenever and for whatever.

RaininSummer · 19/04/2024 19:26

You cant say much to be fair without sounding like a witch but their father is setting them up to be losers all their life if they can laze about and then scrounge for help. This would drive me batty.

queenofcruises · 19/04/2024 19:02

CharlieUniformNovemberTangoYankee · 19/04/2024 18:53

I don't think it's none of your business. I would be really annoyed about it as well. However, it sounds like the situation - ie them asking and your husband giving/lending - is unlikely to change. In which case the options are limited to 1. your husband funding the feckless bastards from his own money without your involvement, or 2. from your joint account in consultation with you. Both infuriating, but only you can decide which is easier to live with.

i do believe these are the only options. I have a real issue with lies, and i can smell one at 100 yards! its actually the lie that i have more issue with than the actual money! this arguement has been going on all day here at the house. DH knows why I'm angry, he knows that he should give his kids (lol i say kids, these people are 30 year olds!), a lecture and he knows that they are telling him Bullshit.. the issue is.. he won't! and thats what really boils my you know what!

He says he's backed into a corner with this one, if he doesnt give the son the £50, then the son won't be able to get a drink at the wedding and it will spoil his daughters day.

my theory is 'thats his sons problem'.

OP posts:
CharlieUniformNovemberTangoYankee · 19/04/2024 18:53

I don't think it's none of your business. I would be really annoyed about it as well. However, it sounds like the situation - ie them asking and your husband giving/lending - is unlikely to change. In which case the options are limited to 1. your husband funding the feckless bastards from his own money without your involvement, or 2. from your joint account in consultation with you. Both infuriating, but only you can decide which is easier to live with.

Toffifee1 · 19/04/2024 18:52

queenofcruises · 19/04/2024 18:49

i understand all of this, but i ask you, if your children lied to you about the need for the money, would you still give it regardless?

in the case of 'we need £1000 for the rent' which turned out to be a puppy? would you have been happy about the lie?

they still got and still get whatever money they ask for, i just prefer that they state the real reason for the need rather than a lie?

You can’t tell your husband what to do with his money. You can advise your husband to start saving for vet bills and for when he‘s older or gone and can‘t support them anymore because if he continues to support their bad choices/lazy work ethic it‘s kind of his fault that those „adults“ don‘t work and are irresponsible..

queenofcruises · 19/04/2024 18:49

sprigatito · 19/04/2024 18:47

This. I lend my adult kids money and every other form of parental support as and when they need it, and nobody, partner or not, would stop me from doing so. If you can't accept it then I suggest separate finances, that way you can ensure that any support offered has nothing to do with you.

i understand all of this, but i ask you, if your children lied to you about the need for the money, would you still give it regardless?

in the case of 'we need £1000 for the rent' which turned out to be a puppy? would you have been happy about the lie?

they still got and still get whatever money they ask for, i just prefer that they state the real reason for the need rather than a lie?

OP posts:
sprigatito · 19/04/2024 18:47

Whateveer · 19/04/2024 16:54

If his Dad wants to lend him money he's quite within his rights to. I wouldn't have someone tell me that I couldn't lend my DD a tenner. For whatever reason. Shared money is still part yours part his.

This. I lend my adult kids money and every other form of parental support as and when they need it, and nobody, partner or not, would stop me from doing so. If you can't accept it then I suggest separate finances, that way you can ensure that any support offered has nothing to do with you.

Maray1967 · 19/04/2024 18:45

I’d tell DH that it’s to come out of his money and it must never come out of joint savings or you’re taking control if it.

The alternative is to tell DH that he needs to talk to them about their total inability to budget and their lying. Or you will, and it won’t be pretty. They would have learned that I was very angry over the deception over the puppy. I think I would have walked out of their house, to be honest, I can’t imagine mine carrying on like that.

StormingNorman · 19/04/2024 18:44

queenofcruises · 19/04/2024 16:47

the grand was finally re-paid yes. I do suspect that DSS 1 is at the root of this most recent request as he has been mentioning lately, he's suspended from work, they have a new baby and money is very tight for them.

DH takes whatever they say at face value, and yes he does carry lots of guilt about their upbringing (but thats a whole massive jeremy kyle episode).

We do have separate bank accounts, and previously DH just gave them what they asked for no questions asked, but i felt that DH was being taken advantage of especially after the 'rent' issue, so we agreed if any requests for money came again, we would discuss it between us and give/lend it together!

You can discuss it but his money is his money. Unless he’s using money you earned, you don’t really get a say.

Presumably it’s only him going without if it’s not coming from your joint account or your account.

Toffifee1 · 19/04/2024 18:44

queenofcruises · 19/04/2024 18:12

no you are right, i shall leave my DH be, i suppose the upside to this is, that when his kids have bled him dry financially, then it will have to stop because there's no way they will get money from me for 'pets and takeaways'

You could still dtate your opinion. He‘s enabling them and suppoting bad choices. Someone who doesn’t have £1000 shouldnt buy a dog. What about vet bills? Poor animal with those irresponsible owners!

queenofcruises · 19/04/2024 18:43

BoudiccaOfSuburbia · 19/04/2024 18:42

So keep separate finances with your own savings and disposable monies, and he can enable his waster Ds to his heart’s content

indeed... certainly looks like the only solution

OP posts:
BoudiccaOfSuburbia · 19/04/2024 18:42

queenofcruises · 19/04/2024 18:38

lol.. i agree 100% however it appears that its none of my buisness what my DH gives to his kids.

So keep separate finances with your own savings and disposable monies, and he can enable his waster Ds to his heart’s content

queenofcruises · 19/04/2024 18:41

Stompythedinosaur · 19/04/2024 18:37

I think you and your partner should divide your finances a bit more and then it is up to your partner if he gives money to his dc.

I don't think it's wildly unusual to give bits of money to your dc. I was a similar age when my dm helped me afford baby things when I was pregnant and on a low wage. I imagine I'll still want to help out my own dc at that age.

DSS1 has just had a baby, we gave them a generous cash gift without being asked and we supplied lots of baby things.. i assume thats what normal parents do?

Step daughter who is getting married, we gave her a cash gift for the weeding, again even though we are not biological parents to her, its what parents do.

My own DC is pregnant and due soon, again we have given a cash gift, and bought baby goods, because that what parents do.

no issue with any of that... i guess my issue is the trivial lies being used to get cash from DH. but it seems its none of my business

OP posts:
BoudiccaOfSuburbia · 19/04/2024 18:41

Stompythedinosaur · 19/04/2024 18:37

I think you and your partner should divide your finances a bit more and then it is up to your partner if he gives money to his dc.

I don't think it's wildly unusual to give bits of money to your dc. I was a similar age when my dm helped me afford baby things when I was pregnant and on a low wage. I imagine I'll still want to help out my own dc at that age.

Yes, my M&D bought me a washing machine when I was pregnant they offered, I didn’t ask.

And I didn’t ask for a THOUSAND POUNDS pretending it was for rent and then spend it on a puppy.

queenofcruises · 19/04/2024 18:38

Dacadactyl · 19/04/2024 18:36

Don't give that workshy waster another penny.

lol.. i agree 100% however it appears that its none of my buisness what my DH gives to his kids.

OP posts:
BoudiccaOfSuburbia · 19/04/2024 18:37

I would have been furious after the puppy stunt, made it clear, and shut the bank tight shut right that moment.

Whining for money for a piss up at a wedding? Sell the puppy. He clearly can’t afford its upkeep.

Why hasn’t he got a job?

Stompythedinosaur · 19/04/2024 18:37

I think you and your partner should divide your finances a bit more and then it is up to your partner if he gives money to his dc.

I don't think it's wildly unusual to give bits of money to your dc. I was a similar age when my dm helped me afford baby things when I was pregnant and on a low wage. I imagine I'll still want to help out my own dc at that age.

Dacadactyl · 19/04/2024 18:36

queenofcruises · 19/04/2024 18:28

just too lazy to work, no other reason!

Don't give that workshy waster another penny.

AGodawfulsmallaffair · 19/04/2024 18:30

queenofcruises · 19/04/2024 17:05

we are not talking just a tenner though, over the years we are talking thousands of pounds.

BUT

perhaps i do need to step back from it... and as long as its from HIS money and not OUR savings or JOINT/housekeeping account then i should leave him too it.

I'm still allowed to be annoyed that they will ask, i know that they will get the money and i know that the reasons given will be bullshit.. and they know that their asking will cause an arguement between me and my DH.

I don’t think there’s another way to handle this, if it’s from his account and not yours, you don’t really need to know, purely to save you the stress. If he wants to enable his children in this way he’s a fool but he won’t stop so try and take a step back. As long as it doesn’t affect you in any way, ignorance is probably bliss.
I lend my ds a few quid here and there, but it is a loan and I get it back. It’s fine, but if he pulled the puppy stunt, I wouldn’t forgive him and he’d never get another penny.

queenofcruises · 19/04/2024 18:28

RaininSummer · 19/04/2024 18:16

If they are on benefits, is there a reason they are not working? If not, I would be tired of bailing them out.

just too lazy to work, no other reason!

OP posts:
5128gap · 19/04/2024 18:27

queenofcruises · 19/04/2024 18:14

thank you... and when DH no longer has any money to gift and he then dips into the joint savings... what do i do then?

If the savings are joint then you'd both have an equal say. If you couldnt agree then you'd have to do what any couple would have to do if they had a serious disagreement about spending. Divide the money up into yours and his, and each do as they chose with their share. When you marry at a later stage and you both have pre existing priorities then it's often the most sensible way to manage finances. Because whether you or anyone else thinks he shouldn't gift his children, provided he's using his share of the money, that has to be his decision.