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AIBU?

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Boyfriend wants me to put his car under my car insurance

441 replies

CrossingBoundaries007 · 21/06/2024 04:52

Sorry for the log post. First for the backstory I have been dating this he's really nice, kind, affectionate, not stingy etc. He has expressed a desire to to marry me. He is divorced with 3 kids.

The issue is that when we met he told me about his bad credit. I wasn't really sure why but he had some debt, so hasn't been able to get a mortgage but he is self employed (contractor) earns comfortably so he's been trying to pay it off.

The issue now is recently he's found it hard to pay his bills. He works hard but the contacts have not been as consistent and many don't pay as well as before. He's just told me he can't pay his car insurance which was really high and he can't pay his rent and he pays the rent of his ex wife ) (in full) who the children live with and he has a child in a fee private school school fees is around 7k. He never discussed his choice to put his child in private school with me he just told me after the fact and that's a big part of my he has large outgoings. He's now finding it hard to pay that also.

The insurance company have cancelled his insurance for not paying and he really needs his car to drive to work which can be very far away sometimes.

i want to help him I suggested speaking to citizens advice etc but he's suggested I put his car under my name so he can continue to drive it. He has about 12 points on his licence (speeding) and is at risk of losing his licence which he's going to court for to appeal.

I feel bad for him but what would you wise ladies do in this situation. A I being unreasonable to say no. I'm a single mum btw.

OP posts:
HomeTheatreSystem · 21/06/2024 13:53

Just in case he's good at reeling you back in and you're struggling with how to sever the relationship permanently, just remember don't give him a reason that opens up any discussion. You just say that you no longer feel as attracted to him as you once did (which I hope is actually the case now PPs have shown you who and what he really is) and that's all there is to it. He can't argue with that. And if he's already at yours, boot him out instantly. He can doss with family/friends/the Ex Wife/ in his car: it's not your problem.

RampantIvy · 21/06/2024 13:52

murasaki · 21/06/2024 13:40

Apparently purse is a metaphor for vagina, dating back to the 17th century.

You need to deny him access to all of your purses.

Every day is a school day 😁

pikkumyy77 · 21/06/2024 13:46

He is extremely manipulative of you, OP. Nice when begging for money, hostile when paying it back? Do you notice the pattern? He can wheedle for England, sounds like. But his true self is the angry abuser who says “all sorts” when you ask for your money back.

Floralnomad · 21/06/2024 13:45

Have you checked your own credit file @CrossingBoundaries007 as he may already have taken things out in your name if he has had access to your home .

Wavescrashingonthebeach · 21/06/2024 13:43

I wouldn't mention any of the money stuff when you dump him. (For the love of God please say its WHEN not IF) sounds like he could get really nasty and kindly, you sound like he could talk you into giving him another chance.
You don't owe him an explanation.
Tbh I'd just slowly become really boring and unappealing and unattractive to him and he will probably dump you.
You could always tell him you've just had a massive tax bill and it's left you bankrupt with a rubbish credit rating. I bet he suddenly vanishes then. Job done.

FrankTheDog · 21/06/2024 13:42

This reply has been deleted

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murasaki · 21/06/2024 13:40

Apparently purse is a metaphor for vagina, dating back to the 17th century.

You need to deny him access to all of your purses.

Daleksatemyshed · 21/06/2024 13:33

So you've already had a taste of the future then Op. You lent him money and he gets nasty when you ask for it back. Time to face facts and dump him again, this time don't let him come back. Blocking him on everything would be a smart move

Runki · 21/06/2024 13:30

@CrossingBoundaries007I'm really sorry he was rude to you. That's awful. Can I ask if you have said you'll think about the insurance or have you just left it? Has he been badgering you about it? You are a supportive partner and he had no right to insult you. I actually think it is he who is not supporting you and somewhere in his head he is turning it round and putting it back on you. I really hope he doesn't push you into doing this for him. If anything, as so many others have said, it would be illegal and could get you into a lot of trouble in the future. He could be out of your life one day and you might be left with his legacy of his dangerous driving connected to your car insurance. Take care.

TomatoSandwiches · 21/06/2024 13:26

CrossingBoundaries007 · 21/06/2024 13:15

He was so rude telling me I was t being a supportive partner, even insulted me in the process. I just regretted that I had even lent him the money in the first place.

Being supportive to him means him taking any and all resources he can wheedle out of you, he isn't reciprocating is he so how is he a partner?

You need to get rid, he doesn't love you he just loves what he can get out of you.

You deserve much better.

Mintyt · 21/06/2024 13:24

I work in insurance, if you insure him in your name would you be saying that you drive it the most and he's the named driver. That's fraud. If you insure him in your name and he is the main driver, you should not be able to as you don't own the car. The car is not parked overnight at your address and you have no insurable interest in the car. If you insure in your name and all correct and above board you will be liable for his debt. If he is cancelled or voided it's in your name so will long term affect you. Don't do it and re think your relationship

RampantIvy · 21/06/2024 13:18

He was so rude telling me I was t being a supportive partner, even insulted me in the process.

He doesn't see you as his partner. He sees you as his banker. He is telling you who he is.

Every time you post about him he sounds even worse.

CrossingBoundaries007 · 21/06/2024 13:15

Runki · 21/06/2024 12:52

@CrossingBoundaries007

Thank you for your reply. You sound like a nice, helpful, easy going person. I have learnt to my cost that I have been a doormat for years for certain types of pushy people, and this particular incident has shown me their true colours and it's very upsetting. I'm not saying you are like this at all! Just wanted to share my recent experience as it has taught me so much about human beahviour! When you say he said all manner of things to you, do you mean he was rude? I hope not. Just be careful and please don't be pressurised into doing something you don't want to. Sending best wishes.

Edited

He was so rude telling me I was t being a supportive partner, even insulted me in the process. I just regretted that I had even lent him the money in the first place.

OP posts:
Choochoo21 · 21/06/2024 13:14

CrossingBoundaries007 · 21/06/2024 12:44

Very true! One of those times when I lent him money and reminded him I needed it after the time he had promised to pay it back had passed he said all manner of things to me and I was furious but forgave him.

Why are you, a single parent, lending money to a man who has a child in private school!!

Its absolute madness that you would rather give this man your money to help him send his kid to private school, rather than spend it on your own kids.

Shade17 · 21/06/2024 13:13

You cannot have him on your insurance as a named driver to get cheeper insurance when he is the owner of the vehicle and he is the main user. It's insurance fraud.

No, but the OP could be the policy holder with DP named as the main driver, however with his driving history I wouldn’t want to have anything to do with it.

Uricon2 · 21/06/2024 13:06

He's a walking list of bad decisions and I could guarantee that if you continue to say no to lending him money or engaging in dodgy stuff to help him out, he will disappear.

For the love of God, don't let him move in with you.

Runki · 21/06/2024 12:52

@CrossingBoundaries007

Thank you for your reply. You sound like a nice, helpful, easy going person. I have learnt to my cost that I have been a doormat for years for certain types of pushy people, and this particular incident has shown me their true colours and it's very upsetting. I'm not saying you are like this at all! Just wanted to share my recent experience as it has taught me so much about human beahviour! When you say he said all manner of things to you, do you mean he was rude? I hope not. Just be careful and please don't be pressurised into doing something you don't want to. Sending best wishes.

honeylulu · 21/06/2024 12:50

CrossingBoundaries007 · 21/06/2024 12:44

Very true! One of those times when I lent him money and reminded him I needed it after the time he had promised to pay it back had passed he said all manner of things to me and I was furious but forgave him.

What were the things he said to you when you asked him to (quite rightly) repay you?
This sounds like a huge red flag - people who get angry and indignant when asked to pay what they owe are hugely entitled. They think they deserve your money more than you do, even though you earned it!

Sparklfairy · 21/06/2024 12:45

Is the kid in private school on a scholarship or something? You said he was bright... that's how I got into private school...

Nice bit of leverage and emotional blackmail if he pretends he's 'paying school fees' when actually he isn't...

CrossingBoundaries007 · 21/06/2024 12:44

Runki · 21/06/2024 12:32

I'm back again. I think the real test of this is to say no and see how he reacts. That will tell you all you need to know. If he says oh of course, it doesn't matter, instead I will go to the Citizens' Advice and ask what to do, then this will sound kind of reasonable. But if he strops and says you are being unfair etc. then you have your answer of what he's really like and what his intentions are. I have been in a situation recently where my in-laws have asked me to give them my car. Not for them to buy it from me, but just to let them have it. I am a people pleaser and I said no, which I found really hard to do. Their reaction taught me all I needed to know about what sort of people they actually are. They have become very angry and obsessive about it and now won't talk to me, despite back tracking and saying it was "only a suggestion". I think some people show you their true colours when you don't want to go along with their plans. How did he react when you said no to taking a loan out for him?

Very true! One of those times when I lent him money and reminded him I needed it after the time he had promised to pay it back had passed he said all manner of things to me and I was furious but forgave him.

OP posts:
CrossingBoundaries007 · 21/06/2024 12:42

Needanewname42 · 21/06/2024 12:33

Your right none of it adds up.

Why would anyone prioritise private school over their own house,surely you'd invest in property before private schooling?

THANK YOU!

I swear, if he had discussed the private school thing with me I would have suggested he apply for bursary or go for an excellent state school even if it means joining a waiting list and invest the money in getting himself out of debt and on to the property ladder since I know he wants to buy a home.

OP posts:
Needanewname42 · 21/06/2024 12:33

Willyoujustbequiet · 21/06/2024 09:01

None of this adds up.

The private school fees amount, the fact that he chose the school and she didn't know even though she is primary carer. Even the fact that she's in rented accommodation and he's paying...

Doesn't make any sense.

Your right none of it adds up.

Why would anyone prioritise private school over their own house,surely you'd invest in property before private schooling?

Runki · 21/06/2024 12:32

I'm back again. I think the real test of this is to say no and see how he reacts. That will tell you all you need to know. If he says oh of course, it doesn't matter, instead I will go to the Citizens' Advice and ask what to do, then this will sound kind of reasonable. But if he strops and says you are being unfair etc. then you have your answer of what he's really like and what his intentions are. I have been in a situation recently where my in-laws have asked me to give them my car. Not for them to buy it from me, but just to let them have it. I am a people pleaser and I said no, which I found really hard to do. Their reaction taught me all I needed to know about what sort of people they actually are. They have become very angry and obsessive about it and now won't talk to me, despite back tracking and saying it was "only a suggestion". I think some people show you their true colours when you don't want to go along with their plans. How did he react when you said no to taking a loan out for him?

murasaki · 21/06/2024 12:28

He got a lot of those points on his license after he met you. So he's got worse rather than better. It's all downhill from here.

RampantIvy · 21/06/2024 12:12

CrossingBoundaries007 · 21/06/2024 11:58

Thank you all for all your responses and helping me see that I'm not a mean person or "unreasonable" by refusing to agree to this.

I'm glad you are listening. Please take the advice on here and put you and your DC first.

The way this poor excuse of a man treats you like a bottomless purse is not how a decent man behaves.