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Partner won’t change Trust

212 replies

LindsayAnn97 · 28/11/2025 09:26

Hello am I being unreasonable to want my partner to change his trust for our son and myself?
For context we have been living together for 5 years and have a 2 year old together. We live in his property and he rents another couple out. All in his name. I was working full time and contributing but since my maternity leave ended I went back to uni which I am currently still doing. I don’t have access to free childcare as my partner earns over the threshold and we don’t have family close by. I am not on the deeds to his property and he does not want to get married. Currently his trust is to benefit his “family” but our son and myself are not mentioned. He has no life insurance either. I find this quite irresponsible as it’s one thing to not look after myself if he passed away unexpectedly but it’s another not to look after our son. It’s the principle of it that bothers me I want to protect his inheritance. Is there anyone that has experience a similar issue? Any advice would be great!

OP posts:
Negroany · 28/11/2025 13:20

LindsayAnn97 · 28/11/2025 10:27

That’s my main concern, it’s not as if he’s in ill health or anything but if he did fall ill or unexpectedly passed I don’t even know how I would pay the mortgages or anything for that matter. He won’t even tell me his salary 🤷🏼‍♀️ I just want peace of mind that I would be able to live in the family home. A friend of mines partner passed away and they didn’t have children but it just puts everything in perspective.

Why would you have to pay "the mortgages", they are nothing to do with you. You would, however, be homeless which is pretty shit.

I'd leave him personally. He's not all in the relationship.

Puzzledandpissedoff · 28/11/2025 13:19

Personally I don't think this, but thoroughly agree such matters should be discussed before having children

Unfortunately some women still just see what appears to be a wealthy man and believe they have it made, wilfully closing their eyes to the rest

PeopleWatching17 · 28/11/2025 13:18

Beedeeoh · 28/11/2025 10:50

So does he have no will at all? Because in that case your son would inherit everything if he died, in trust until he becomes an adult. You would be able to access the estate to pay for your son's living costs.

If he has a will saying otherwise that's a different matter.

Of course his refusal to discuss specifically leaving anything to you doesn't say much for how he sees you.

You're actually in a more vulnerable position in terms of potentially splitting up. That would leave you in a very precarious position as you'll only be entitled to child support.

As long as the twat is on the birth certificate…

SurferRona · 28/11/2025 13:10

Thepeopleversuswork · 28/11/2025 12:38

Honestly I would bide your time, get your degree and start working and then leave.

A man who out earns his partner and refuses to give her or his child any basic legal protections is not a good person to build a life with. He doesn’t respect you and doesn’t have his child’s interests at heart.

How long until you expect to finish your degree?

Will be 4 more years. Then a foundation training year. That’s too long to not have security for OPs son imo.

CoralOP · 28/11/2025 13:09

So generally people think someone should include a girlfriend of 5 years into a family trustfund? Really?
Absolutely his child needs to be included but no I don't think you should be unless you are married , that would be reckless of him.
But when your having children with someone that is clearly wealthy these things need to be fully discussed and understood before a child is born.

LiveToTell · 28/11/2025 13:08

OP, your son would have a claim on his estate and as he’s a dependent, it would highly likely be successful. That’s assuming he has a will that does not benefit any children.

If he has no will, your son inherits everything, in trust until he’s an adult. The trustees will be able to release funds for his benefit such as school fees etc.

But, he’s no partner to you if he won’t even tell you how much he earns.

TwoTuesday · 28/11/2025 13:08

If he's supporting you to train as a dentist I would risk staying until you are qualified. Then as soon as you can get your own mortgage, buy a property either to live in or as an investment. You need to be your own security. Don't put a penny into his property either.

Patchedupsocks · 28/11/2025 13:03

I can't see a future with this man, he doesn't seem to consider you or your child's future.
It seems to be about him being a tight fisted git imo. He doesn't want you to get your mitts on the properties or investments should you marry and divorce.
I'd be looking to leave and setting up on my own with my kid.

StewkeyBlue · 28/11/2025 13:02

LindsayAnn97 · 28/11/2025 10:46

I am currently doing a dentistry degree and I am still in my first year.
I am trying to put together a list of questions to have a frank conversation with him.
so far I have questions regarding.
Will and trust information, how to access this.
Who will make decisions in event of ill health.
How would I financially look after our child in the event of ill health or death.
What is his salary?
Will we enter a legal relationship at all?
Am I named as his next of kin or beneficiary?
How will I look after our property for our son?

is there anything else I should add? Should I change this in anyway?
Many thanks 🙏🏼

My questions would be:

Should he meet with a tragic accident where does he think you and your child would live
And how would you support his child?
Does he have life insurance? And are you the beneficiary.
Has he made a Will? Is your child the beneficiary?
If his child is the beneficiary is there provision for you to remain on the home with a life interest / until your child is 21 or whatever
Are you named as Next of Kin on his medical records - who would make decisions about his health, funeral etc?
Is his refusal to marry based in not wanting his assets to be at risk should you split?
Would he consider marriage with a pre-nup?

and

Does he love you?

Was the decision to do your Dentistry degree supported by him? Has he agreed to support you for the duration?

Naws · 28/11/2025 12:59

ChristmasTimeChristmasJoy · 28/11/2025 11:51

Op he doesnt like you or your son, hes made it clear by his behaviour. He would see you and your son out on the streets. Leave him.

Of course he likes them otherwise he'd kick them out.

He just doesn't care enough or love them enough to want to give them any security.

Right now he's got a woman giving him sex, taking care of his child and no doubt cooking and cleaning while he's out earning an amount of money that he refuses to disclose.

What's not to like?

Abracadabrador · 28/11/2025 12:58

People have to opt in to having legal protections, with a marriage contract. You currently don't have any and he could remove you from his property at any time he wants.
As PP have said you urgently need to secure your own property and financial independence, give the boyfriend as much consideration as he has to you
Here's a citizens advice link
https://www.citizensadvice.org.uk/family/living-together-marriage-and-civil-partnership/living-together-and-marriage-legal-differences/

Living together and marriage - legal differences

Differences between how the law treats married and cohabiting couples including financial matters, responsibility for children and housing.

https://www.citizensadvice.org.uk/family/living-together-marriage-and-civil-partnership/living-together-and-marriage-legal-differences/

MadinMarch · 28/11/2025 12:57

Endofyear · 28/11/2025 10:27

You're not married and you live in his property, your financial situation is precarious. He could kick you out of the property any time.

If he doesn't want to marry, you need your own financial security. You need to be working and saving for a deposit on your own home. Don't rely on him as he's obviously not bothered about making sure you and your son are financially secure.

This. You and your son are but lodgers in his home. It's an appalling way to treat you.You need to build your own financial security as quickly as possible.
I'd be tempted to move out get your own mortgage as soon as possible, and claim maintenance payments from him. Not easy, I know...

reversingdumptruckwithnotyreson · 28/11/2025 12:56

I’m honestly baffled that you’re living and having children with someone that you don’t even know so much as his salary. Everything just seems really high risk - how old are you?

Genevieva · 28/11/2025 12:54

sorry my typing went awry and I wrote the wrong thing. It’s a dependency order or declaratory order.

FinallyHere · 28/11/2025 12:54

toiletpaperthief · 28/11/2025 10:13

And this is the reason why women should not have children without a marriage contract.

This. Every time this.

Genevieva · 28/11/2025 12:52

You ca may get a charging order put on the property you live in without owning it. You’d need legal advice.

Meadowfinch · 28/11/2025 12:51

OP, your situation is this. He can tell you to leave this afternoon and you have no comeback. You are not named on the deeds of your home and have no rights.

The only thing you would be entitled to from him is child maintenance, and then only if he didn't want 50:50 custody.

Get your degree, find a job and start prioritising your finances before you find yourself on the street.

Genevieva · 28/11/2025 12:50

Yes your son is his family. There’s no such thing as illegitimacy in English law for such purposes (it hangs on for hereditary peerages in their letters patent but that’s not relevant here). It’s a bad will to not specify and could open up a court case for a judge to determine what proportion different relatives get, but it could easily be an expensive route that ends with the entire estate being awarded to his dependant son. Who are the trustees of the trust?

Troublein · 28/11/2025 12:48

LindsayAnn97 · 28/11/2025 10:46

I am currently doing a dentistry degree and I am still in my first year.
I am trying to put together a list of questions to have a frank conversation with him.
so far I have questions regarding.
Will and trust information, how to access this.
Who will make decisions in event of ill health.
How would I financially look after our child in the event of ill health or death.
What is his salary?
Will we enter a legal relationship at all?
Am I named as his next of kin or beneficiary?
How will I look after our property for our son?

is there anything else I should add? Should I change this in anyway?
Many thanks 🙏🏼

These are all questions you should have been asking BEFORE you chose to have a child with this man.

There is absolutely no reason why he should or would want to change anything because he already has what he wants.

I also doubt a man who owns multiple properties and hasn't even told you his salary has shown you his will, and I don't think any solicitor would draw it up with the beneficiary being named 'family'.

Get your degree, get a job and start saving for yourself, he isn't going to change.

carly2803 · 28/11/2025 12:48

you need to financially look after yourself

look at getting a house/money/savings - if you had to walk away tomorrow - can you?

I have never understood people who have children with someone/not married and yet financially depend on them- if he splits with you, you are royally screwed

onyourway · 28/11/2025 12:46

I would imagine that his parents or grandparents have given him assets for tax purposes, but they are the beneficiaries if he dies unexpectedly. Outside those assets, he could certainly name you and your son as beneficiaries of his pension, death in service etc. He could also carve out the house you live in and leave that to you and your son.

LoveItaly · 28/11/2025 12:39

HamptonPlace · 28/11/2025 10:08

He’s put you in an untenable position. It is entirely unreasonable to refuse to enter into a legal relationship, even if it does not contain the word ‘marriage’ while procreating and cohabiting. Were it to come to it (hopefully not of course) then the circumstances outlined would in any event result in him having financial liabilities to his child (of course), but also, importantly, to you. Having it codified in a document just makes it simpler and reduces the stress, quite apart from it being fair. He won’t just be able to up sticks and financially walk away, legally that is.

How has he put her in an untenable position? Surely she has had a say over her situation, and the choices she has made to end up in it? And it was ultimately her choice to have children, and her responsibility to make sure she was in a secure position to do so.
A fair and decent man would of course want this for his partner and the mother of his children, but it is the women’s responsibility to ensure she is protected before having children.

Thepeopleversuswork · 28/11/2025 12:38

Honestly I would bide your time, get your degree and start working and then leave.

A man who out earns his partner and refuses to give her or his child any basic legal protections is not a good person to build a life with. He doesn’t respect you and doesn’t have his child’s interests at heart.

How long until you expect to finish your degree?

ThejoyofNC · 28/11/2025 12:35

I'm confused why you have called him irresponsible. You have been the irresponsible one in this situation.

ginasevern · 28/11/2025 12:34

Puzzledandpissedoff · 28/11/2025 12:10

Exactly this

What beggars belief is that it's not as if these potential issues aren't well known, and STILL women take the risk - and not just for themselves but the children too Sad

Exactly. The OP sounds shocked to find herself in this position. But at the end of the day she chose to procreate with a man who clearly had no intention of doing right by her or their son. Yes he's a selfish dick, but he offered her a pile of diddly squat and she knowingly accepted it.