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Not to want to give ex this money ?

73 replies

Bumbelinadance · 27/01/2018 21:11

I appreciate I may have done better to post this on relationships or the legal board , but posting for traffic .
Sorry for mine of information but I don’t want to drip feed .

4 year relationship . Very in love with him . Both divorced with D.C. . Spent holidays and weekends as a blended family . I loved his kids and they me .
Split January 2017 , my choice , as relationship became a roller coaster with ex dp continually changing his mind about future plans, not emotionally or practically supportive to me but expecting it from me .
It was done by me with a heavy heart .
I really tried but it was a one way street . Left me alone with miscarriage , when I suffered severe injuries in a car crash—- really seemed to have an empathy gene missing at times .

In his defence it was a difficult situation , him travelling constantly for work , me often accompanying him ( at his expense ) and my mum caring for my Ds and my neglecting my business .
His D.C. living in one country and Ds and I in another .
Plan was for Ds and I to relocate to where they were and set up home together . Viewed houses and schools together but they live in a very remote location with his ex wife in next street .
I wanted to live further towards the city maybe half an hour away tops so Ds and I could have a life and I could work in my profession but be near enough his D.C. could be with us when he wasn’t travelling for work .

His exw and he are extremely acrimonious. She was , I accept very hurt by him leaving her , but it was over a year before he met me .
Whenever I visited she was awful to me , going so far as to accuse me of sexually grooming their children to the school and local services .
His response was “ she is mental, ignore her “ but it really distressed the children . This was all “ swept under the carpet “ but his lack of support hurt me .

When we split in January 2017 I began dating somebody straight away . Was honest with ex about this . It was very much a rebound thing , was still in love with him .
He kept Ds and I on his company hr for travel and medical . Was still on my water bill and shared a bank account .
We talked regularly and said we would remain lifelong Freinds
I stayed in touch with his children on scype etc

My Ds father and ds have no relationship / contact ( a whole new thread ) as per a court order based on abuse issues .
However he is a high earner and is court ordered to pay maintenaince .
He stopped paying and broke the court order September 2016 .
This is an ongoing stressful , complicated battle through courts .. still ongoing

Ex dp did a kind thing ( at the time ) and lent me 15k to help me in march 2017
We drew up a loan agreement signed by 2 Freinds .
My intention was to repay him

In April 2017 I ended it with the guy I had been dating , went back to my ex dp . He wanted to make a go of it , was sorry for not being there for me etc etc .
We were good I thought . Things went back to normal , he loved me etc and was sorry for commitment phobia and past mistakes .

In June 2017 I was suddenly one night opening the door to the police .... arrested and charged with criminal allegations his ex wife put against me
I was arrested , put in a cell , felt degraded beyond words
I was released on bail
I became terrified , fell apart , had anxiety I can’t begin to describe . I was terrified of prison and terrified for Ds .
I rang then dp when I was released . He said the reunion had been a mistake and I was “mental “

From June 2017 til December 2017 when the charges against me were finally dropped my ex would hardly speak to me
When I did speak with him he told me he was moving on, didn’t want to be involved , was dating others , that lots of people had criminal records and it wasn’t his problem . I have never had a drink problem but I drank heavily through this time .
He told me if I didn’t stop contacting and “ guilt tripping him “ he would block me . He did block me — phone and email .

I was shown such incredible loyalty and support by my Freinds and family . I earn too much to qualify for legal aid . They lent me money for a top drawer barrister . I must and will repay them .

I am struggling still with my feelings
I still mad as it sounds feel love and loss over him .
I don’t want to be together but I want to be Freinds and I want to know I qualify for an apology for what I went through

I sent a letter to his ex forgiving her and making peace
I sent to one to him

His response is to send me threatening emails demanding I repay the loan ,
Am I obliged to given the legal costs I had to borrow ( it nearly matched the loan )

OP posts:
jay55 · 27/01/2018 21:56

You were arrested for fraud and are now considering not repaying a loan?

Bumbelinadance · 27/01/2018 21:57

Because he told me he would never betray me or hurt me . Loved me .
Begged me back . Many times
Cancelled Ds and I medical whilst it all happening and Ds was receiving therapy and I too over it all

Because he Told my family and Freinds he wouldn’t abandon me if this happened
Because my ex Dsd aged 8 emails me and asks why I dont go see her . And it hurts my heart as I miss them .

Because I am broke over legal costs

I don’t think I am a dick bluedoglead .

OP posts:
Bumbelinadance · 27/01/2018 22:01

To be clear
The fraud was not mine
I simply was on a joint bank account with him
I am sorry I didn’t make that clear

OP posts:
Dipitydoda · 27/01/2018 22:02

I would do absolutely everything in my power to repay the loan ASAP to cut absolutely every last tie with these people, can you borrow the money from elsewhere so you can repay him! Please do not allow these people to ever have reason to contact you again. Block and delete them from your phone, social media etc

Bluedoglead · 27/01/2018 22:04

You made an agreement to repay.

You signed it had it witnessed.

He didn’t report you for fraud, someone else did.

The loan is unrelated to the rest of it. You made a contract, you have to repay

PoorYorick · 27/01/2018 22:04

You need to repay the loan, not just because it's legally enforceable but because it will cut every tie you have with this utter sociopath.

ArchchancellorsHat · 27/01/2018 22:05

His business dabbling (i'm not sure what that involves - were you both self employed as you said you had a business) led to you being charged with fraud, so you spent about £15k on legal stuff and that is why you feel you shouldn't have to repay him another 15k? Or have I got the wrong end of the stick?

Haffdonga · 27/01/2018 22:05

Should you pay someone back a loan if they are a good person? Yes.
Should you pay someone back a loan if they are a bad person? Yes.
Should you pay someone back a loan if they behaved appallingly and treated you terribly? Yes.

it makes no difference what they're like, see? It's not your money.

Peanutbuttercheese · 27/01/2018 22:07

You must repay the loan

He is not your friend at all, words are one thing and actions are another. People can say and mean at the time they will never hurt someone but it doesn't mean it won't happen. When people, are in love they do say things that they mean but he is not in love with you anymore.

Sort out the financial business only and have nothing to do with any of them even sadly the child because that is a route for him to mess with your head forever and a day.

hungryhippo90 · 27/01/2018 22:07

I'm sorry, I don't understand how she had you arrested for some sort of fraud with his business and or bank account which was joint but he was t?

Regardless of shGs gone on in your relationship you owe that money back as was intended when he gave you it....he even went as far as getting friends to sign it too.

FrancisCrawford · 27/01/2018 22:09

This reply has been deleted

Message withdrawn at poster's request.

purpleanorak · 27/01/2018 22:12

Can you give a little more detail about the terms of the loan agreement? Is there any time stated for repayment? Is the option of a share of your house (instead of repayment in full) stated to be at your option or his option? It seems likely that the loan will be repayable on demand (and therefore due now) from what you have said, but it very much depends on the actual agreement.

You will almost certainly need to repay (and he may eventually be able to make you bankrupt if you fail to repay) but we may be able to give you some advice on how to deal with it. For example, one option would be to offer to secure the loan against your house as well as repaying a set amount per month if he does not accept your repayment offer on its own. If he accepts a settlement in any form, however, you must get evidence of it in writing.

I know it is upsetting, but it is better to try to sort out a settlement agreement now than to wait for him to take steps such as issuing a statutory demand or subsequently a bankruptcy petition. It may also be that your letters to him and his ex are making it worse in some ways?

Usual caveat, but please do not rely on any advice here without seeing a solicitor (or direct access barrister) if you possibly can. Nobody can properly advise you on legal issues over the internet and without knowing the full picture.

Lovely456 · 27/01/2018 22:13

Pay back the loan and leave him alone.

Move on with your life.

QuiteLikely5 · 27/01/2018 22:15

If it’s in writing and you signed it then he has a legal case against you.

You are clearly emotional about the whole thing but tbh I would not waste another minute thinking about him. He sounds like a farce and if anything you have had a lucky escape!

If you can’t afford the amount in full just repay in instalments.

Bumbelinadance · 27/01/2018 22:16

Thankyou for replies .. I knew there would be negative and positive and appreciate all
If I am honest I don’t feel I should repay it after what he put me through
The fraud was him
Not me
I didn’t know what he was up to until I was arrested .
He also lost a lot of his family and parents money in it I have since found out ( 4 years obviously leaves mutual Freinds )

I guess if he does persue me then I shall have to repay

I am still trying to make sense of heartache and betrayal

OP posts:
PoorYorick · 27/01/2018 22:17

I don't blame you for feeling you shouldn't repay it. It should be seen as arsehole recompense. But it's not, and you'll only harm yourself if you don't repay.

I'd definitely be pinning his face to a dartboard though.

RebelRogue · 27/01/2018 22:18

@Bumbelinadance has he been arrested/convicted of fraud?

RebelRogue · 27/01/2018 22:19

Or do you have any proof that it was him?

Bumbelinadance · 27/01/2018 22:19

Rebel rogue
I don’t know

OP posts:
BulletFox · 27/01/2018 22:21

Did the police arrest him?

This is too messy, keep away from them all, start repaying the loan, recreate your own life.

What did you need the money for? There's life to be led outside of this chaos...

HeckyPeck · 27/01/2018 22:21

So he committed fraud then you ended up massively out of pocket as you got caught up in it through no fault of your own?

If that's the case I'd check if the loan is legally enforceable and if not, I wouldn't pay. I wouldnt feel an ounce of remorse either.

RebelRogue · 27/01/2018 22:25

The thing is, if you can prove it was his actions that caused you to incur legal costs you might have an argument in court if it cane to that.
You might try that anyways and see if you can settle with him,and just repay him the difference.

RebelRogue · 27/01/2018 22:26

Oh and keep a record of all communication,threats and admissions.

Mazzystarlett · 27/01/2018 22:28

As hard as this is to hear, you cannot be friends with this man because you still love him. He doesn't care about you and has done nothing but look out for himself. If he cared he would've helped you clear your name. If he cared he would've been there when you had a car crash and miscarried his child. if he cared he wouldn't have cancelled the medical cover whilst you and your son were receiving treatment. By the way, have you noticed how both you exes are "mental" according to him?

Yes he should apologise and if he was a semi-decent human he would, but he won't because he doesn't care. Pay back the loan, limit any contact to just dealing with the loan and get rid of him and his toxic behaviour. Don't contact the daughter, as much as you might want to, because all you are going to do is give him and his delightful ex ammunition and make the situation worse

I'm sorry you're going through this, but you've now seen what he is, please stay away because he is nothing but a walking heartache. Pay the loan and don't look back x

ShellyBoobs · 27/01/2018 22:30

If anybody works out the gist of the story, can they please post it up?

I thought I understood it but further clarifications have me baffled.

OP, you have to pay the money back.

It has nothing to do with anything else that has gone on. You took a little an from from someone with an agreement to pay it back.