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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Partner took the 3 month mortgage holiday...and didn’t tell me

190 replies

TonightYoureAStar · 02/06/2020 18:35

HI so today my bank kindly sent me a text message asking if I was happy with the mortgage holiday I had...but I wasn’t aware that I was having one, went home and asked my partner, who usually pays the monthly repayments as I’m working part-time looking after the 2 boys aged 5 and 7 - but we have a joint mortgage as I paid half the deposit (£80k) and he confessed that he had done this 2 months ago, but hadn’t told me ???!!!! He is still working, hasn’t been furloughed but has had to take a 10% pay cut, which he had told me about so of course I’ve been worried about money during this period and been v.frugal - however yesterday I asked if he could get a cycling helmet for the boys and he told me to get it, as money was tight....so I don’t think I’m being unreasonable to be absolutely f£&king fuming now that I know he’s been saving £1,200 a month without telling me????

OP posts:
NikeDeLaSwoosh · 02/06/2020 20:12

I think it is possible to have a joint mortgage but only one person have legal title to the house

No, this isn't possible. Someone always pops up on threads like this spouting nonsense like this.

I wish people wouldn't just take a guess at what are really important points.

Smallsteps88 · 02/06/2020 20:12

There is a type of man who, in the event of a break up, thinks firstly of “his” money and how to protect it all. (When other will think of the children, how contact will look etc) Your partner is absolutely one of these men. I would expect soon for him to stop paying you the £500 into the joint account. You will also have a fight on your hands trying to get child support out of him. Is it likely he will be able to fudge his income figures to make it appear as if he earns much less?

thenamesarealltaken · 02/06/2020 20:14

OP, you're another who posts for support, people go out of their way to write well considered responses to help you and you then set about defending the heck out of your abuser... yes, he is financially abusive and controlling. You have also slated "smug married" people!
I'm out. Do what you want

TonightYoureAStar · 02/06/2020 20:14

Ok so I think know that I’m not being unreasonable for being v.v.v.angry , I actually wasn’t sure because he’s being so bla-zee about it, he won’t move out but is giving me £750 and I will be treating my self, and try to live in a love less relationship for the sake of the kids

OP posts:
TonightYoureAStar · 02/06/2020 20:16

Thank you

OP posts:
Clymene · 02/06/2020 20:19

I wasn't advising you to marry him, just pointing out that you're financially vulnerable because you didn't.

That's irrelevant now though. Speak to a solicitor, tell them what he's done. He has committed fraud. Maybe the fear of you pursuing him for that might make him revise his stance on moving out.

AnneKipanki · 02/06/2020 20:21

You still have to pay it . It is just deferred.

AnneKipanki · 02/06/2020 20:23

He definitely should have told you .
I would not be happy. Good that you got some money from him .

TonightYoureAStar · 02/06/2020 20:27

Thankyou love

OP posts:
backseatcookers · 02/06/2020 20:31

smug married joint account owners, take note

You realise people have taken time to try and offer advice and help you?

I will be treating my self, and try to live in a love less relationship for the sake of the kids

Don't ever stay for "their sake". I've been the child, told that as an adult and then felt a mixture of guilty and responsible for my parents being unhappy for a long time as well as angry that they chose to spend years modelling a loveless, joyless relationship for me which meant I had no idea couples could actually have a laugh together and be affectionate and work as a team... it took years to undo that poor relationship modelling and I'm now in a lovely relationship but I'm 33 and it took me a couple of shit and abusive ones plus therapy to get me to where I am now!

TryingToBeBold · 02/06/2020 20:33

I get your on the mortgage
I get you paid half the deposit
I get your paying the bills..

But you've not contributed to the mortgage for a while. He is solely paying the mortgage on a reduced income. So the mortgage holiday is helping him out right now.

The only thing I think he should have done is maybe give you some to help out.. but you've managed to pay the bills until this point .. do you need more help?

Would you have told him if you'd been given a payment holiday on any of the Bills?

TonightYoureAStar · 02/06/2020 20:34

Well what should I do then?

OP posts:
TonightYoureAStar · 02/06/2020 20:36

Yes ok, that’s how I’m rationalising it, but he should have told me, and if we hadn’t had an argument yesterday about why I should pay for the cycling helmet then I guess i would have understood more...

OP posts:
Bluewater1 · 02/06/2020 20:37

If you don't want to be with him, leave, you could find happiness with someone else

june2007 · 02/06/2020 20:38

What should you do, discuss things with your husband. If you want to salvage your relationship try relate, if not you need to discuss how you will move forward.

june2007 · 02/06/2020 20:39

Sorry partner not husband.

BobbieDraper · 02/06/2020 20:40

Well I did ask you some questions about what discussion you have had with him regarding finances. You disnt answer any of them.

Does he understand that the children are a joint responsible, financially and emotionally?

Doea he understand that you cannot earn more because you are doing your half of childcare as well as his half? If you said tomorrow that you are going back to work more, so the childcare is his responsibility from Monday to Wednesday, what would he say?

Why isnt he supplementing your loss of earnings since you provide free childcare?

And what have you said about the bike helmet. He made you buy it by claiming money was right... but he has an extra £3600 whilst you are living on leaa than you used to due to lockdown. How has he managed to explain that one? Because they want the action of someone who will put his children first.

SamanthaStripyPants · 02/06/2020 20:40

You say you're on the mortgage but are you joint tenants or tenants in common? I have bad credit and our first house had DMIL on the deeds so that we could get the mortgage. She only owned 1% but was on the mortgage for two years until my credit improved.

Smallsteps88 · 02/06/2020 20:41

Speak to a solicitor about your options regarding the house. I realise you don’t want to leave and he won’t either so I’d be considering forcing a sale tbh. Is there equity in the house?

BobbieDraper · 02/06/2020 20:41

*they arent the actions

oohnicevase · 02/06/2020 20:42

It's not free though is it , they just add it ok the end !!
Also how did they not have to ask you too??

TryingToBeBold · 02/06/2020 20:43

So rather than expecting him to leave or downing a bottle of wine.. tell him you think he was being a tight asshole and would have appreciated the help in buying something for your child.

VodselForDinner · 02/06/2020 20:45

Nobody was advising you to marry him. This happens all the time on here- woman comes on to say she wants to leave her boyfriend and then gets a shock when she realises that having children together is not the same as a legal marriage contract.

I’m out. Couldn’t be arsed trying to offer advice in exchange for rudeness. My time is probably better spent smugly enjoying my marriage.

Best of luck to you both, OP.

RippleEffects · 02/06/2020 20:46

Im a divorcee now remarried with a joint account. Whilst marriage gives you certain things you can fight over in court how many people actually take things through the courts?

I didn't. I managed my separation by slow negotiation. Negotiation and renegotiation continues 13 years on.

If you have DC together the chance are you will need to be able to be civil to each other for the remainder of your lives.

This is your starting point.

Every child's birthday, Christmas, Easter, School play/ parents evening/ sports day awards ceremony, marriage, birth of grandchildren. You don't want each one to be a battleground for your DC

What any of us needs to do is look at our own circumstances and reflect on what works, what doesn't and what steps need to be put in place to get to a better place.

What do you want for your future? To separate or just redefine the boundaries of the relationship?

Full time DC carer or shared care I.e. he actually does 50% including sorting childminders and pickups on his days. Do you want to have your career back - is it feasible you can move towards that at present?

Do you want a fairer balance of monies into the household?

All these things are specific to you. For you to write down and work through what your list of priorities is. He's unlikely to roll over and just give i to everything you want so prioritise and work from the bottom of the list on negotiation with less flexibility on maybe your top three priorities.

TonightYoureAStar · 02/06/2020 20:46

Yeah I did that, only a couple of glasses and now I’m ready to just try and get over it x

OP posts: