Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Will we lose our home ? Should I lose a husband

189 replies

Derrygirl09 · 28/01/2025 20:10

Hi everyone 👋
I'll try and keep this short , we bought our first house 3 years ago , since then , me and my husband had a separation of 9 months , things had been bad tbh and I never would have bought a home with him but we found ourselves in need of somewhere new to live and had the means to buy a home , anyway , we decided to work through our issues and things have been going well since Christmas... Today I found letters he has hidden from me from land and property and turns out he has never paid the rates , like ever 🥺, we agreed that he would be responsible for them and he's told me numerous times they were paid for , we now owe 1000s and we honestly don't have the money., he's ignored the last letter that would have given him the option to pay off in installments, he's been working overtime every weekend for 5 months and I also buy all food , all school meals , all kids clothes ect I worked out he should have few hundred left at the end of the month after the bills he pays NOT Inc overtime ,and now he tells me NOW he tells me he couldn't afford it 😡 have I a right to be livid , and what will happen to the home now ? Is this unforgivable to you ?

OP posts:
2Hot2Handle · 28/01/2025 20:27

CatsForGovernment · 28/01/2025 20:16

Call them and explain, beg them for a chance to begin a payment plan.

Lose the husband.

He is clearly lying re not being able to afford it. The money is either funding gambling or drugs or something along those lines. He has put the roof over your head in jeopardy through utter stupidity and negligence and that should be a deal breaker.

Does what you owe on rates outweigh your equity in the house?

I agree with this approach. If you haven’t already, call them tomorrow morning and explain the whole situation. Don’t wait, or bury your head in the sand.
Speak to DH about where the money has gone. Insist he logs into his bank account to show you. Definitely sever ties with him asap.

TwoShades1 · 28/01/2025 20:26

You should still be able to arrange a payment plan to pay off the debt. I’m not in uk but our rates are very reasonable about payment plans and happy to accept a very small amount each week as it’s working towards paying it off.

Overthebow · 28/01/2025 20:22

What are rates? What is it he hasn’t been paying?

Melonportal · 28/01/2025 20:21

Are you in Northern Ireland?

Doggymummar · 28/01/2025 20:21

Rates are from before council tax - how many years are we going back 20 or more for sure edit guess you are not in England

ToKittyornottoKitty · 28/01/2025 20:19

YANBU but what is he spending his money on?

ru53 · 28/01/2025 20:19

Sorry for the stupid question what are rates?

MissConductUS · 28/01/2025 20:17

Do you have any idea where the money has gone?

CatsForGovernment · 28/01/2025 20:16

Call them and explain, beg them for a chance to begin a payment plan.

Lose the husband.

He is clearly lying re not being able to afford it. The money is either funding gambling or drugs or something along those lines. He has put the roof over your head in jeopardy through utter stupidity and negligence and that should be a deal breaker.

Does what you owe on rates outweigh your equity in the house?

poemsandwine · 28/01/2025 20:15

Wtf? Lying bastard. What a shock.

IfYouHaveGhosts · 28/01/2025 20:12

It's not going to get any better. Get out now whilst you're young enough to enjoy a life.

CouchSpud · 28/01/2025 20:12

I’d be fucking fuming! 😡

Derrygirl09 · 28/01/2025 20:11

I should add I never actually left the home in those 9 months I couldn't find anywhere I could afford

OP posts:
Swipe left for the next trending thread