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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To not allow someone to register at our address when they don't live here?

84 replies

ANiceLuxury · 07/08/2019 20:47

Dh has an uncle who lives abroad (has lived there for around 3 years, and previously lived in the UK all his life).

He is currently separated from his wife of 4 years and it sounds like they are soon to start divorce proceedings.

He only has one bank account that he had in the uk and he added his wife to the account when they married making it a joint account. Now they are divorcing he wants his pension and funeral policy etc to be from a bank account that is not joint. However one of his pensions has informed him that they cannot pay to an overseas account if he was to open one where he lives and therefore he needs a uk bank account.

He has asked several times if he can be registered in the UK at our address so he can open an account. I ve said no, dh thinks there is no issue.

Now hes really bleating on about how he needs our help with regards to registering at our address and theres no one he can turn to etc etc..

We do get on well with him (he has very recently stayed with us for several weeks) and dh speaks to him most days.

He does have 2 children who he cant register with as they are on some sort of benefit and it would complicated this for them.

Would you allow him to register at your address?

OP posts:
Franklyyes · 07/08/2019 21:21

He can register address with his children - why you guys? Or have they refused to do it?

Cryalot2 · 07/08/2019 21:21

Do not consider it. He may well be in good health now but if something happens it will be a nightmare to say the least.

MaybeitsMaybelline · 07/08/2019 21:23

Why can’t he get his pension paid into a non uk bank account? There must be 1000s of expats who get a uk pension abroad.

CheeseCakeSunflowers · 07/08/2019 21:25

Surely he can contact the bank where he has the joint account and ask them to open another account in just his name.

dementedpixie · 07/08/2019 21:26

Can he not open a sole account with his existing bank

TitianaTitsling · 07/08/2019 21:28

Nope! If it's no issue and just simple and doesn't affect anything then he can use his children's addresses!

Original poster
ANiceLuxury · 07/08/2019 21:28

The bank he has don't have a branch were he lives

OP posts:
Hmmmbop · 07/08/2019 21:28

He may well be in good health now but if something happens it will be a nightmare to say the least. why? how?

Timandra · 07/08/2019 21:30

If the law in his country of residence says his wife is entitled to share in his pension, why would you allow him to use your address to prevent that anyway?

Original poster
ANiceLuxury · 07/08/2019 21:32

I ve no idea what the law is where he lives. Shes already opened an account and had her pension put into it as she has registered at a relatives in the UK.

OP posts:
LordBuckley · 07/08/2019 21:33

He can open an offshore account with a branch of a UK bank in the Isle of Man. There's no need for there to be a branch of that bank in the place where he lives.

He'll have to jump through a few hoops to prove his identity, but it's doable.

dementedpixie · 07/08/2019 21:33

But if he has an existing account he wouldn't need to visit it.

CoolCarrie · 07/08/2019 21:41

I would help him out as a Care of address

Autumnbrownie · 07/08/2019 21:51

My parents live abroad but are registered and have all UK mail sent to my aunts address (she lives in a council house on full benefits, this has never been a problem) they have all their bank correspondence send there, new credit/debit cards when they need them, health care letters, even register to vote cards and many other important documents. My aunt then either sends them on to my parents or they collect them when they visit.

I'd say it's a very normal thing to do for people who live abroad but who need to have a UK registered address, I'd happily allow someone to register their name at my address (obviously if I knew them and didn't have any major concerns).

I'm sorry but I'd say you are being unreasonable and are making things more difficult and stressful for a gentleman who sounds like he already has a lot going on.

SnaccidentsHappen · 07/08/2019 21:52

He can open his own bank account, he can apply online and upload his ID documents. Don't let him use your address.

diddl · 07/08/2019 21:58

If his wife has an account of her own, why won't she let him take her name off the joint account?

GabsAlot · 07/08/2019 22:01

Sounds funny if he hasnt even looked into other options yet like someone said there must be load of ex pats opening pension accounts when they dont even live here

SunshineCake · 07/08/2019 22:04

Your dh wants to help his aunt to be defrauded?

Singinginshower · 07/08/2019 22:04

Wouldn't bother me tbh

Jellybeansincognito · 07/08/2019 22:05

It doesn’t matter what his situation is. It’s against the law and you both could be fined if caught.
Considering the situation with his wife, it’s highly likely to be uncovered.

Would you want that hanging over you?

Jellybeansincognito · 07/08/2019 22:05

He needs to return to the uk to sort his finances, end of really.

Graphista · 07/08/2019 22:08

There are plenty of expats who live overseas and have financial arrangements in the uk, I've several family/friends that are expats/emigres who do this for a variety of reasons. Banks are very well aware and set up for this so his claim that they aren't is nonsense!

Personally I think he's trying to screw his stbexw over!

It sounds like he's trying to hide assets from her - which is ALSO illegal in addition to the potential fraud several pps have mentioned if he/you falsely give your address as his residence in the uk when it blatantly isn't!

Do you really want to be colluding with such behaviour?

His stbexw could well escalate matters in attempts to get what she is rightfully owed which could mean you getting some very worrying mail and possibly even bailiffs at the door!

Do you really want to risk huge fines, prison?

"The bank he has don't have a branch were he lives" that is the worst most ridiculous excuse ever! Almost ALL banks now have telephone and Internet banking available, he has plenty to choose from including some that operate solely online!

HE IS AT IT!

Tell him to jog on!

Chouetted · 07/08/2019 22:09

While technically he can give his children's addresses as a "care of", I wouldn't trust the DWP to organise a pissup in a brewery without suspendng people's benefits for several months.

Mummyoflittledragon · 07/08/2019 22:12

If he does online banking, can’t he just ask for a new account from there? Or travel to the closest Barclays, hsbc etc to open an account? I get it won’t be round the corner. Or open an offshore account? Has he actually asked his U.K. bank to open another account for him?

ReanimatedSGB · 07/08/2019 22:14

It does sound like his issue is that he wants to prevent his wife getting her fair share of family money in the divorce. Unless you and your H know that she is an absolute cunt, why would you want to collude with him in doing this?

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