Back story - Ex hubby & I took out a policy for decreasing mortgage cover when our DD was born 15 years ago in both of our names.
I'd bought the house before I met him, it's always been in my name. I've always paid the mortgage, & actually all of the other bills as he worked very few hours in a low paid job. Even when DD started school & he could have upped his hours he chose not to. He spent most of his time playing on his computer.
EX H left to live with OW when DD was 7.
He wanted me to cancel the mortgage insurance policy as he didn't want his name on it. I wanted to keep it as it meant DDs home was secure if either of us passed.
Fast forward to now - I have Stage 4 cancer & prognosis is about 10mths. I had to take ill health retirement. I never expected to be living off my pension while still paying a mortgage, money is tight. So I put in a claim for the mortgage insurance, only to find out ex H is entitled to half.
If DD wanted to live with him after I died I'd set up a trust fund, but she doesnt. She wants to stay in the house she's always lived in with her step dad & step brother. It's closer to her school & friends, & also her grown up siblings & their kids. Ex H has let her down so many times over the years, she's not keen on visiting anymore & knows he's unreliable.
Ex H originally said he wouldn't take the money. He knows its for DDs security. I'm having to dip into DDs University fund for living expenses now, with still having a mortgage to pay.
He says he's entitled to it cos he didn't take much when we divorced. Maintainance has always been paid but a very low amount, he doesn't treat DD to anything. He only put curtains in her room at his last year & she still doesn't have a proper quilt. He hasn't said he will spend the money on DD, he wants it for himself.
I don't want to give this excuse for a man a penny. Yet he's gona get £30k for nothing. He's basically cashing in on the fact I'm dying. He owns his house, has a car & still lives with the woman he left for. He doesn't need this money. We do. DD won't speak to him because he's shown money is more important to him than her security. And even though he knows she wants nothing to do with him if he takes the money he still wants it. To him it's worth losing his relationship with his only child.
I'm seeing a solicitor but I don't think we will get far.
Has anyone ever been in a similar situation?
AIBU to hate him with a passion?