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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To say getting married to protect your finance is a joke

256 replies

bebanjo · 18/09/2026 23:32

Been married 20 years house fully paid for. He’s divorcing me, his moved in with new partner. He’s severed the joint tenants, refuses mediation now has about 2 weeks to live.

OP posts:
Laura95167 · 19/09/2026 09:03

It will have to be sorted during probate i guess. How long ago were you served? Could you argue he was ill?

Do you know if he has a will?

Tbf had he not found himself terminally ill he may have gotten his half in the divorce anyway

Genevieva · 19/09/2026 09:03

PS
You are next of kin, not some short term girlfriend.

IsItSnowing · 19/09/2026 09:02

Since the divorce is not final, you can still potentially make a claim on his pension and other assets from his estate. If it is reasonably considered that you have been awarded part of it in a divorce settlement you can still be awarded it. Obviously you need a solicitor as these things are never straightforward and will depend on individual circumstances.

Wednesdaysgreat · 19/09/2026 09:00

Does anyone know if OP would have had a valid claim for the whole marital home in their divorce, based upon her prior sole ownership?

Would this be a relevant factor in any inheritance PFD act claim? I wonder if there is case law where the division of marital assets is impacted by the prior ownership and whether this can then transfer to the inheritance act claim?

Does your spouse have more in the way of assets than you? With his pension for example? What do your finances look like?

Hedgehogforshort · 19/09/2026 09:00

@bebanjo as someone said upthread @prh47bridge is a solicitor so follow his advice and get a solicitor

Genevieva · 19/09/2026 08:59

Go and see him. You only split up earlier this year. If nothing else, make your peace with him before he dies. Worry about the legality of whatever damage he has done to your family afterwards. He can’t change it on his deathbed.

Quicknamechange2025 · 19/09/2026 08:56

nofacenonamenonumber · 19/09/2026 06:46

Your partner of 20 years has 2 weeks to live and all you are concerned with is what he does with his money.
You have an opportunity to be better than this

Are we on the same thread? Have you read all of the OP's posts?

Ohwhatfuckeryitistoride · 19/09/2026 08:55

Why is your dd entertaining this woman and her fantasies? I know shes only young, but encourage her to communicate only about her father's health, She is not her friend(or even stepmother, she's just his shagpiece)

Quicknamechange2025 · 19/09/2026 08:54

CossyBunt · 19/09/2026 06:48

I am so sorry OP that you and your daughter are going through this. He sounds fucking awful. I see his cock was still on high alert throughout all this. Last bit to die eh?

You must get legal advice. Even if you don’t inherit, your daughter must, and not some old tart whose been on the scene for 5 mins.

.

Nobabyyet296 · 19/09/2026 08:49

WilmaandFred · 19/09/2026 06:14

Please don’t give legal advice as you clearly dont know. You absolutely can

Agree. I just said the same. The amount of false information given so confidently on here blows my mind

Nobabyyet296 · 19/09/2026 08:48

WinterBlues26 · 18/09/2026 23:35

Get a solicitor. Just because your stbxh has done this it doesn't mean he is legally allowed. You cannot sever joint tenants unilaterally.

Yes you can sever unilaterally. Where did you get the information that you can’t?

ANNotherWriter · 19/09/2026 08:45

When you put his name onto your home, there should have been a tenancy in common ringfencing your share. However, once you are married it's considered a joint asset unless you make other legal arrangements.

His new girlfriend stands to have to fight her case in court as a wife of 20 years who should receive his pension etc is in a far stronger position.

His state of mind when changing his will is a factor.

TheOnlyWayIsIlford · 19/09/2026 08:45

prh47bridge · 19/09/2026 08:38

Yes, he can sever the joint tenancy unilaterally, contrary to what one of the early posters says. However, that has no effect on the divorce settlement.

If he dies before the financial settlement and his will leaves everything to his new partner, you will have a clear claim under the Inheritance (Provision for Family and Dependants) Act. That will result in you getting at least as much as you would have received in the divorce settlement.

In contrast, if you were not married you would not have any claim against his estate when he dies. Marrying has protected your finances.

OP: prh47bridge is a longstanding MN lawyer

Forkbangles · 19/09/2026 08:43

bebanjo · 19/09/2026 00:09

DD is 19, had to get a flat when this all started, she knew we’d have to sell the house.
but yes, I suppose she had as much right if not more to contest a will.

You can also inform the pension Trustees, half of that pension is yours, they do NT have to follow the expression of wishes.

bebanjo · 19/09/2026 08:41

MeowDoku · 19/09/2026 08:17

When my mum and dad separated but still owned the family home jointly they severed the joint tenancy to tenants in common, they still both own half, both have wills that say on their death their half hours to me and my brother and the other parent has a lifetime interest so cannot be forced to move. You have no idea what he's done. His half isn't yours you are separated, also the man has 2 weeks to live and this is your concern? What about your children? They are about to lose their father

He has had no contact with daughter for months. He refused to be her guarantor for a flat. He’s treated her appallingly. She had already decided to go no contact with him until she found out he was sick.
now she has listen to this other woman rewrite her life say how wonderful he is when she knows what his been like with us

OP posts:
ANNotherWriter · 19/09/2026 08:41

If you both own the house he can't give your half away without you agreeing to it and signing paperwork.

If we could all override that, what would be the point of a joint tenancy?

legallyblond · 19/09/2026 08:40

And yes it’s definitely possible to sever a joint tenancy unilaterally (otherwise, as joint tenants, you would automatically inherit the whole property by survivorship and that’s not usually appropriate when a couple have separated). On a severance your 50% is still yours, so you’d still own 50% of the value.

Fantomfartflinger · 19/09/2026 08:39

bebanjo · 19/09/2026 01:02

Hence my original point, what is the point when it can just be taken from under you

Marriage does protect, it means one person is not left without provisions. The reason sahm are told that marriage protects them. It also protects scoundrels, like your husband. You should have not put his name on your house. Was it fully paid by you? You should have sewn it up with a legal agreement if he lived there that he only got back what he directly contributed, A long marriage would have got him some of it but you would have at least had some protection.

Marriage protects, but the side that put in more is never going to be happy, it depends which side you are. There are concrete reasons not to marry, such as having far more.

I have huge sympathy, it is a warning to others to think the financials through, marriage has powerful protections that you ignore at your peril. Such a shame he is popping off. Good luck, you seem feisty, channels the anger for you and your daughter.

prh47bridge · 19/09/2026 08:38

Yes, he can sever the joint tenancy unilaterally, contrary to what one of the early posters says. However, that has no effect on the divorce settlement.

If he dies before the financial settlement and his will leaves everything to his new partner, you will have a clear claim under the Inheritance (Provision for Family and Dependants) Act. That will result in you getting at least as much as you would have received in the divorce settlement.

In contrast, if you were not married you would not have any claim against his estate when he dies. Marrying has protected your finances.

Mcdhotchoc · 19/09/2026 08:38

You really do need legal advice and id get it pronto.
The pension sits outside the will and it falls to the trustees to decide who to pay. They are not bound by who he nominated to get it. You need legal advice now as to how to handle it.

ANNotherWriter · 19/09/2026 08:37

bebanjo · 18/09/2026 23:54

She will also get his pension, car and any other money I don’t know about.
if it had gone to divorce he would have had to declare it. Now it’s jus left in his will,

she won't unless he's changed his will and she could be in a very tricky place trying to prove he changed it weeks before he died.
The courts might think there was coercion or loss of capacity.

legallyblond · 19/09/2026 08:35

OP, speak to a lawyer. You and your daughter will almost certainly have what’s called a 1975 Act claim for provision from his estate if he has not left anything to you in his Will. Also most people do still want to ultimately benefit their children even when they have a new partner. A solicitor can help you here.

Quicknamechange2025 · 19/09/2026 08:33

Merrybandofpirates · 19/09/2026 00:22

In Scotland, it isn’t even called joint tenants or tenants in common. I’m Scottish, never lived in England but I still knew exactly what OP was talking about because it’s general knowledge and not a secret.

I had no idea about this to be honest.

geumsun · 19/09/2026 08:28

nofacenonamenonumber · 19/09/2026 06:46

Your partner of 20 years has 2 weeks to live and all you are concerned with is what he does with his money.
You have an opportunity to be better than this

The OP is going to be better.

She's going to lawyer up, contest the Will and take every penny of that mothefucker's money while he rots and his Mistress fumes. Perfecto.

Somethinggg · 19/09/2026 08:20

lazyarse123 · 19/09/2026 08:15

They can leave their money how like what they shouldn't do is give away a house that they didn't fully own and has legally managed to steal it from the op.

I don't think he has. If they were joint tenants that usually means severing the joint tenancy leaves them with 50% each. He can't will OPs half, any more than you or I can.

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