Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

DP bought us a house without telling me

307 replies

Sevensummers · 31/05/2024 14:49

I have been with DP for 10 years. He didn’t have a place at the time but he had a van which he was living out of. I was a single mother of 3 when I met him and lived in a Johnnie Johnson house (housing association). DP moved in with me pretty much instantly. I always wanted to own my own home but being single with 3 kids didn’t leave me much room money wise and never seemed possible.

It was something that we spoke about from time to time but after 10 years together I realised he was never going to commit to buying a house with me and just left it. Long story short, I found out he has bought a house. I was so angry because I thought he bought it for himself as a plan to get away from me and has just been using me for a place to live until he has somewhere of his own. I felt so hurt that we had spoken about buying a house and he has just got one for himself. I confronted him about it and he said it’s for us both to live in and he didn’t want to tell me because he wanted to save me the stress of looking for a house and putting in offers and getting outbid and being disappointed, and all of the stress that comes with the buying process.

I don’t believe him because it’s only his name on all of the documents. This would not be our house it would be his. He wants me to come but then I would just be living in his house. I would have to give up the housing that I have now which is a three bedroom in a nice area and move into his house. I am very very hurt and feel so betrayed that he has done this behind my back. The thing is, I can’t afford to live on my own anymore. My two youngest still live with me so I would Aldo be uprooting them from their home, to his. His income pays for a lot of bills so if I tell him I’m not moving in, I honestly don’t know how I’ll afford to live. But I don’t feel like I can give up all that I have to move in with him when he’s been so sneaky and dishonest. I am really feeling heartbroken

OP posts:
anothernamitynamenamechange · 31/05/2024 23:16

Collaborate · 31/05/2024 17:41

There are so many threads on this site where women are encouraged to buy a property in their own name unless their partner is paying half. Not a dissenting voice.

When the boot is on the other foot then he's a bastard and you must leave him.

Apparently he's a sponger (according to some) who used you to save, though you've not said whether he paid half the rent and half the bills or not. HE also bought you a car, so he's far from stingy.

From where I am you are right to question where you would be if the relationship ends, and you have lost the security of your HA place, but please don't listen to the more hysterical posters telling you he's a twat and you should leave him.

I think its one thing to buy a property in your own name, especially where the other person isn't contributing. Its another to do it without even telling them. Especially if previously there had been talk of saving to buy a house together. And the reason why the second person was able to save was because they weren't paying any rent for 10 years while the first person was paying all then rent.

mjf981 · 31/05/2024 23:09

Ultimatum time.

Either he puts you on the deeds prior to giving up your tenancy, or you break up. Stand firm and don’t let him talk you into any other option.

Brats4kid · 31/05/2024 23:02

I'd be devastated tbh. How deceitful 🥺

VJBR · 31/05/2024 22:59

Worse case scenario could you take in a lodger. Anything to keep your house.

Daisy12Maisie · 31/05/2024 22:55

Go on entitledto.com as you may be entitled to some benefits if he moves out.
Definitely do not move in with him.
If he wants you there he will put you on the deeds before he expects you to give up your house. He hasn't done that which means he only wants you there on his terms and he could kick you out whenever he wanted. Don't do it. 😔

Dweetfidilove · 31/05/2024 22:52

You would need your head testing if you gave up your secure home to live in his house.

^Liar
^Took advantage of your vulnerability/desparation/loose boundaries/whatever to slide into your children’s home
^Paid below minimum contributions
^Saved his good income while you likely lost your children’s benefits
^Helped you waste a decade, waiting for a commitment that was never coming
^Bought a secret house from savings you subsidised
^Was careless enough to let you‘discover’
^More future faking
^Has no qualms about letting you stupidly squander your children’s secure home on an almost certain empty promise…

I imagine he’s hoping you’ll now be justifiable incensed enough to dump him, so he can’t be accused of using you.

If you’re stupid enough to take him up on his current offer, as it stands, please leave your children the tenancy if possible, so they don’t end up homeless with you.

JoniBlue · 31/05/2024 22:45

Well, if he understands why you are upset he should sell the house, marry you, and then the two of you can choose one out together.

Katbum · 31/05/2024 22:43

Do not give up your family home to live in his house where you will have no rights if he decides to end things - or you do.

Tunefultwix · 31/05/2024 22:34

Otherstories2002 · 31/05/2024 21:43

I really hope his home ownership has been declared because you could have a fraud bill on your hands as well.

There's no fraud involved. If you mean because OP lives in social housing, there's no fraud there, as the tenancy is OP's and the house is not hers. Even if the house were in her name, it might be fine. My own social housing tenancy terms wouldn't be broken if I were to buy a home, as long as I my main home remained the one I rent.

Vizella · 31/05/2024 22:27

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

You don't need to gloat over her misfortune or kick her when she's down.

Vizella · 31/05/2024 22:17

Blimey OP, you're better off getting food from a foodbank than staying a moment longer with this cocklodger. I doubt you'll have to resort to that, but my point is, you'll work something out eventually and conquer your finances but keeping this man in your house for even a day longer seems to be taking its toll on you.

Otherstories2002 · 31/05/2024 21:43

I really hope his home ownership has been declared because you could have a fraud bill on your hands as well.

Mya24 · 31/05/2024 21:42

Like all the messages have said don't make the mistake and give up your house, even if your moving to a nicer home, you will always be worried he may kick you out, he also may change his mind about placing you on the deed, and even if he did he may not give you half and if push comes to shove, you may not be able to afford another home. The housing association or council may also not house you again as you have given up your home, making yourself intentionally homeless.

spotddog · 31/05/2024 21:40

Who's named as owner of your car?

BruFord · 31/05/2024 21:39

AlcoholSwab · 31/05/2024 20:45

The OP clearly states that he pays most of the bills and she can't afford to live at her current address without his help.

I know comprehension isn't very big on here but there is absolutely no way this man counts as a cocklodger if he's paying most of the fucking bills.

He's been very sensible to buy the house in his own name and I seriously doubt he has any intention of putting the OP on the deeds.

She is a single mum who has been given a leg up by this bloke but it looks as if the relationship is coming to an end and a lifestyle adjustment will be required.

@AlcoholSwab One of us is misreading the OP’s posts. She says:

my wage only just covers bills. His pays for food shopping and he pays for my car for me as well.

I read that to mean that she’s covering the rent and ALL the household bills like council tax, utilities, etc. ; he’s covering food and car insurance.

Which is definitely a contribution, but she can probably manage if she’s eligible for some help and she cuts right back.

gardenmusic · 31/05/2024 21:31

If not, get married and move in. It automatically becomes the marital home.
50/50

No, it does not. It becomes the marital home, and she will have an equitable interest after a short while, but it will not be 50%.
They are not his kids. She did not contribute to buy the house.
The courts do not award you 50% of a home purchased by your spouse on the day you wed, wether you are on the deeds or not. It would take some time for you to build up your financial interest in the property.
Don't take legal advice from random posters. See a solicitor.

WoodBurningStov · 31/05/2024 21:28

He's using you op.

He's used your house as soon as you started dating yo move in with you .
He's not paid his fair share which has enabled him to save up and buy his own home.
He wouldn't marry you, but kept you dangling
Hasn't put you on the deeds.
Is using the deeds to blackmail you into moving in with him.

Don't give up your house. If at all possible cut your cloth accordingly to remain in the house, look up universal credits and benefits

Saytheyhear · 31/05/2024 21:28

"What an absolutely wonderful investment opportunity! Obviously it would not financially benefit me or my children's future by moving into the property so how do we go about changing it all to a buy to let? Shall we create a joint savings account so we can both reap the rewards? I'm so excited about how this will secure our family's pension/future etc."

Watch his face drop when he realises that you can see what he's up to but can turn it round too.

And whilst he's still sneaking around, do your own sneaking and find out how you can get your benefits changed so you can financially support yourself and your family without him.

oakleaffy · 31/05/2024 21:27

@Sevensummers He’s thinking of his house as being his and his alone.

If it was genuinely for both of you, you’d have had a chance of being on deeds.

But it’s probably best that he had his place, and you yours- I’d never want a man getting his feet under the table in my house!

Housing associations are good things to have
I bet he wants you to move in to his and rent the HA out privately ( I know of cases where that’s happened).

Tunefultwix · 31/05/2024 21:17

CestLaVie123 · 31/05/2024 19:31

I'm not from the UK so I don't know how social housing works - but are you allowed to have a housing authority house with someone moving into it who has a high income?

Of course, although you have to declare all the people living with you, the incomes of any occupants are irrelevant. Social housing is called "social" because the rent goes towards a social good — affordable housing — rather than to private individuals to profit from. The tenancies are usually lifelong rather than short-term, otherwise it's a contract like any other tenancy.

Unexpectedlysinglemum · 31/05/2024 21:16

Absolutely don't move out of your HA it's very shady what he's done. You will probably be more entitled to universal credit and other help when he moves out.

countrysidelife2024 · 31/05/2024 21:14

@CestLaVie123 You can earn whatever in most cases, for example we have a woman working in our government earning over 150k a year and she lives in a council house in london, heard its a lovely place -_- I dont agree with it

AInightingale · 31/05/2024 21:13

CestLaVie123 · 31/05/2024 19:31

I'm not from the UK so I don't know how social housing works - but are you allowed to have a housing authority house with someone moving into it who has a high income?

Obviously it affects any means tested benefits you might receive, like Housing Benefit/UC for children (entitlement changes if you are living as a couple), but as long as the rent is being paid in full, I don't think you are forbidden from doing this,

countrysidelife2024 · 31/05/2024 21:11

@greenpolarbear Also they already live together so no fraud happening, its simply either he moves out or they continue living together and he just rents out his property ( which yes you are allowed to do if living in a HA property as it isnt her house.), not sure what part of my comment was hard to understand.

countrysidelife2024 · 31/05/2024 21:09

@greenpolarbear what are you on about? who said anything about benefit fraud? :S She hasnt even said she is on benefits so thats a big judgement