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AIBU?

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Ex wants to stop paying for DC whilst so he can get a mortgage

185 replies

fedupofex · 20/02/2026 10:33

Me and my ex share 2 DC together.
Both under 4 and live with me full time.

I live in a rented HA property whilst he currently resides in a council flat.

Because I live in a house he is adamant that he should also live in a house.

He is 43 and feels as if the time is going for him to purchase a property.

He is now asking if he can stop paying me child maintenance so when he goes for a mortgage it won't show on his bank statements that he pays me XYZ every week.

He was out of work from November last year and only started work last week.
He paid me no money this time.

He generally is an awful person to be honest.

In my last pregnancy I suffered life threatening complications during child birth and all he did was abuse me in the hospital and even the midwives were so alarmed that they had written this in my notes.

All he did was complain about having time of work to help me with the baby.

He see's DC for few hours a week and think thats parenting, he has no idea how hard it is.

He has also just got a new car Mercedes on HP.

I don't feel this is fair or right what he is asking.

I want to know would I be unreasonable to just let it all go through the courts?
I don't want him seeing the kids when he is not even paying me.
He only see's them for 4 hours on a weekend.
Never had them stay over.
He does live 45 minutes away however which is a huge factor due to petrol.

It is hard for me as I only work part time and I would love to save for a house but it would be impossible at this stage.

OP posts:
blackcatlove · 20/02/2026 11:22

Just go through CMS and pay the bit extra so if he doesn’t pay you, he’ll end up paying more. They can take it from his pay. Reduce your conflict by using CMS.

Unexpectedlysinglemum · 20/02/2026 11:21

Let what go through courts? I would avoid family court if I could it’s very stressful. He might start trying for 5050 and to take the children’s benefits away from you if he’s awarded it (which he’d have the right to do) so take care

sittingonabeach · 20/02/2026 11:21

If he is employed can you get the money through his pay?

BudgetBuster · 20/02/2026 11:21

fedupofex · 20/02/2026 10:58

He said "a proper woman" would help the father of her kids to get a house so the kids have something for when he passes away.

He even had the cheek to ask if my parents would gift him the house deposit.

I have just text him that if he doesn't pay me I will be going through court.

I will also defo be reporting him for mortgage fraud as well.

"A proper father would ensure his kids have something NOW when they need it"

He sees them for 4 hours a week. That's barely enough time for you to do a grocery shop and tidy around. I'd go straight to CMS... even if he isn't working, he's liable. Kids need to eat and be clothed and housed. It's not all on you.

I'd go straight to CMS because he's not being consistent

But also, don't stop your kids from seeing their Dad. It's THEIR access.

littlemousebigcheese · 20/02/2026 11:21

go through CMS. He can’t just undo having children. I am always furious that men can just up and go and women are stuck doing everything.

Unexpectedlysinglemum · 20/02/2026 11:20

‘I don’t want him seeing the kids when he is not even paying me’ you’re totally unreasonable here children aren’t pay per view and deserve to see their parents.

but if he wants to stop child maintenance showing on his bank statements his two options are to either pay you six months upfront, or to pay you in cash instead.

CinnamonBuns67 · 20/02/2026 11:18

Yanbu to say no to him stopping paying for the kids and taking it through CMS if you have not already. He has a financial obligation to them before buying a house.

However it would be very unreasonable to stop contact with the children because he's not giving you money, two wrongs don't make a right and court would take a dim view of you doing this.

fedupofex · 20/02/2026 11:16

Lol I know he won't get a mortgage as he earns 30K, his HP monthly payment is £150 a month, not including insurance.

And he is looking at houses at around the 210k mark with no deposit.

I have just asked him if he will be paying me today considering he gets paid today.

OP posts:
Piknik · 20/02/2026 11:12

Nobody is giving him a mortgage - the twat.

Anyone in a council property, trying to get out and get on the housing ladder who has been out of work for some time, failed to pay child maintenance and then gets a Mercedes on HP is a wanker bellend who is more interested in his image than reality.

He has been so abusive to you that it is on record. He has withheld CM - and he is asking you a 'favour' - is he for real? I am glad you are standing firm OP, I would be laughing in his face.

Catza · 20/02/2026 11:09

fedupofex · 20/02/2026 11:05

He has no deposit either, apparently once he has been in a job for 12 weeks he will be able to secure a mortgage.

He has already had appointments with mortgage advisors and he has told me he hasn't declared DC to them.

Doesn't matter what he told the advisor. It'll all come out once bank requests evidence.

Catza · 20/02/2026 11:08

Go through court, if you must.
More broadly, there is no chance in hell he will qualify for a mortgage. The pittance he likely pays for maintenance won't make any difference to his affordability. Plus, he will need to submit bank statements which will clearly show outgoings and no income up until last week (or whenever he will get paid). Utterly bonkers to be hoping to buy a house in these circumstances.

fedupofex · 20/02/2026 11:05

He has no deposit either, apparently once he has been in a job for 12 weeks he will be able to secure a mortgage.

He has already had appointments with mortgage advisors and he has told me he hasn't declared DC to them.

OP posts:
gerispringer · 20/02/2026 11:03

He won’t get a mortgage if he’s only been in a job for a week. Has he got a deposit?

Slightyamusedandsilly · 20/02/2026 11:01

You don't shit on someone then ask them for a favour. That isn't how life works.

NOT that you'd be wrong to say no even if he had been reasonable.

99bottlesofkombucha · 20/02/2026 11:00

autumncrisp · 20/02/2026 10:39

Children are not pay per view. Maintenance and visitation are two separate things.

It's quite worrying that you say he's an awful man but the only reason you dont want him visiting his children is because he doesn't pay you.

Go to court.

that’s not what the op asked, but it must be nice up there in your glass house.

fedupofex · 20/02/2026 10:58

He said "a proper woman" would help the father of her kids to get a house so the kids have something for when he passes away.

He even had the cheek to ask if my parents would gift him the house deposit.

I have just text him that if he doesn't pay me I will be going through court.

I will also defo be reporting him for mortgage fraud as well.

OP posts:
Coconutter24 · 20/02/2026 10:57

I want to know would I be unreasonable to just let it all go through the courts?
YANBU

I don't want him seeing the kids when he is not even paying me.
Don't use the kids as weapons, go court or cms

He only see's them for 4 hours on a weekend.
Never had them stay over.
That will be taken into consideration with payments

He does live 45 minutes away however which is a huge factor due to petrol.
Not your problem

SideshowAuntSallyxx · 20/02/2026 10:57

He won't get a mortgage without a stable income. And considering he's only just got a job it won't be for a while yet. Think he's living on cloud cuckoo land.

WhatAreYouDoingSundayBaby · 20/02/2026 10:56

Candleabra · 20/02/2026 10:54

Don’t they need bank statements going way back? So he’d stop paying for months and months? Once he gets used to not paying that money you’ll never see it again.

Yes exactly, and once he has a mortgage to pay without factoring his child support amount he likely won't be able to afford to start the payments up again.

KTheGrey · 20/02/2026 10:56

So - he can’t afford a mortgage. If you can’t afford a mortgage the bank chuck you out.

He doesn’t sound like a man who thinks things through.

He needs to pay for his children and be grateful he has a flat at a reasonable rent that he won’t get chucked out of. He doesn’t need a Mercedes.

This is just no no no all the way down. No he can’t stop paying for his children. No you do want to help him commit mortgage fraud. No he doesn’t need more space than you when he doesn’t have children living with him. No his decisions are not sensible.

PivotPivotmakingmargaritas · 20/02/2026 10:55

Tell him to pay you 12 months in advance as a compromise… lol I’m sure he won’t . But then he can’t play the you are the baddie card

Candleabra · 20/02/2026 10:54

Don’t they need bank statements going way back? So he’d stop paying for months and months? Once he gets used to not paying that money you’ll never see it again.

SergeantWrinkles · 20/02/2026 10:51

Absolutely not. Go through cms and get it done officially but don’t withhold access because that’s a dick move.

Nofeckingway · 20/02/2026 10:50

He lost the argument at Mercedes

goz · 20/02/2026 10:50

Well too bad. If he’s 43 and still hasn’t purchased a property that’s on him. Wanting to buy a house doesn’t turn back time and undo his parental responsibility.

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