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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to be upset with DH?

53 replies

thesurreymum · 19/12/2022 20:57

DH has agreed to be someone's guarantor for a rental property even though I asked him not to. Am I right to be annoyed?

For context. We run a construction company, I say we as I do all of the paperwork side and he does the physical work. Everything we have is joint in terms of finances etc. He is self-employed and he has two men who also work with him self employed. One of the guys is struggling to get a rental property, his wife is heavily pregnant. Weeks ago when he first mentioned it, I said look we can provide a reference that he's been working x amount of time and is paid x amount and work is ongoing. However don't agree to be a guarantor.

My reasoning is anything can happen unforeseen and we are then left with the responsibility of paying the rent which we just wouldn't be able to afford. Secondly DH has been let down by previous people who have worked with him. He is currently owed thousands by someone who worked with him previously and has basically done a runner.

Over the years there has been other situations where DH has helped colleagues, friends, relatives and they've let him down and it's brought a lot of stress to us.

DH won't go back on his word to this guy now.

Am I right to be annoyed that DH has gone against what I've said and not even discussed it with me first that he agreed to do it? I only know because the email from the agency came to our work email.

OP posts:
Wanderingoff · 21/12/2022 12:59

Well - he’s not being very kind to you is he

i would be wondering why no one else the guy or his wife knows wil be guarantor

Aprilx · 21/12/2022 15:54

skippy67 · 21/12/2022 08:16

Bit of an overreaction.

I don’t think this would be an overreaction. If my husband exposed himself (and by extension me because we are financially linked) to this level of financial risk, it would be a deal breaker for me.

Aprilx · 21/12/2022 16:05

thesurreymum · 21/12/2022 08:04

Thank you! Their rent is £1250 a month and it's a 12 month contract. I will look into the insurance that you can apparently get.

There is no insurance you can get here. The only insurance that would cover rent default is landlord insurance and you are not the landlord.

Most landlord insurance does not cover default anyway, it is generally building insurance and legal expenses for eviction situations. To include rent default there is a very high bar set in terms of the credit history and ability to pay of the tenant / guarantor. But as I say, this is irrelevant as it landlord insurance not guarantor insurance.

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