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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Is this Financial Abuse or AIBU?

1000 replies

Mochachoc · 04/06/2024 01:49

I have been in a long-distance relationship for about 4 years. Not married and no children. Partner is very financially secure, has no mortgage and has lived in the same property his entire life, which he inherited when his parents passed away. He has never married and has no children. He has also recently inherited another property. He works and is self-employed, although semi-retired.

I have always been very independent and always owned my own home, until a few years ago when I fell into financial difficulties as a result of health problems. He has helped me financially and has been extremely generous, kind and supportive towards me and I would have ended up homeless without his support, as he provided the funds for me to move to a rented property.

I am self-employed, but my income is very small currently, mainly due to health problems and also having to start again from scratch. I have no savings, or financially security and have become completely dependant on him financially. I am trying to work towards owning my own home again and regaining my independence and security, but realistically that may be a few years away.

He helps me with money whenever I need, for things like food and essential bills when I am short, but I generally have to ask / beg for his help, which I hate doing as I find it humiliating and degrading. I have always been very grateful and appreciative to him for his support.

Sometimes I have asked him to help with a specific amount and have to explain to him what the money is needed for, but sometimes he will only help with half, or less than half of what I need, which leaves me constantly scrimping and scraping and unable to ever have any luxury, or be able to relax and I am left constantly worrying about running out of money and having to ask him for more. This is also putting me into further debt, hindering my own ability to earn and re-build any financial security for myself and I am effectively living in poverty, unable to save anything and seem to be unable to move forward to improve my future.

I am so dependent on his financial support and would be homeless without the help he does provide.

I have tried to communicate with him about this, which I think he does understand, but nothing seems to change. Sometimes he will reassure me that he will always look after me financially, but sometimes if I ask for more money he tells me he cannot afford it.

I recently ran out of heating oil and no money for food shopping or basic essentials and he told me no, he cannot help me at the moment, as he has just had to pay out thousands of pounds for his annual property / car insurance etc. He also stated that he has used all of his savings on me and has nothing left, but had previously assured me that it was no problem for him to help. So I never quite know where I stand.

I am also being evicted from my rental due to landlord selling up. Because of my extremely bad credit rating, I will need 6 months rent upfront to move home, plus security deposit and other moving costs, which I simply cannot raise that sort of money by myself. I don't even have access to a credit card for emergencies. He is extremely financially well-off and doesn't seem to care if I become homeless, which has left me feeling incredibly insecure.

He mentioned he would be having a will written to look after me if anything ever happened to him, but seems to not really be bothered that I am struggling. He also mentioned he had brought himself a £3000 chainsaw, but says he cannot currently help me with any money for basic living costs.

I am not sure if he is enjoying the control he has, or if he genuinely doesn't realise my situation.

Is this financial abuse or AIBU?

OP posts:
Mojodojocasahous · 04/06/2024 18:13

I’m calling absolute bullshit on the repossession is unfair bollocks. I’ve worked in collections for a big bank and the average repossession takes 18 - 24 months and they always go for the best price (and the courts have to agree)

SwingingPonytail · 04/06/2024 18:13

Just to clarify as well as far too many assumptions are being made by many people, none of the money he has helped me with has been "given" to me - The money is loaned.

So after almost 800 posts, you come back to say the money he's given you is a LOAN.

Funny how you didn't say that at the start.

He is NOT a partner.
A partner is someone you live with (most usually) and share finances (as equally as possible, where the responsibility is joint.)

You aren't saying why you can't get a different job that will pay you more. Even if you have poor health there are many jobs that are now remote.

What qualifications do you have?

How much do you earn at the moment from your business?

LiterallyOnFire · 04/06/2024 18:15

So, the list of culprits doing OP down, is now:

Her Patron/Gentleman friend
All of Mumsnet
The DWP
More than one estate agent

Who have I missed?

Oh and Liz Jones could be mixed up in this somewhere.

Stravaig · 04/06/2024 18:15

OP, however unfair you perceive your circumstances to be, you need to focus on your current factual reality. Other posters have given valuable advice about your housing, benefits and debt situations - please follow the steps they have signposted.

You are ignoring everyone's questions as to the precise nature of your interactions with this man: how far apart you live; how often you see each other; how you spend your time together; what you bring to this arrangement; whether you actually respect or care for him at all; and how he views you. It creates a very murky impression. You should at least have clear answers for yourself.

You say all the money he has given you so far has actually been a loan.

What is the total he has loaned you since he first helped you?
Over what time period?
How much, if any, have you paid back?
What is your jointly agreed plan for repaying the rest?
You should have precise answers for all these questions.
This is what people understand and expect from a 'loan'.

It is not reasonable to expect anyone to advance you more money when you haven't repaid your existing debt and you have no clear plan as to when and how you will repay them.

Barrenfieldoffucks · 04/06/2024 18:15

I get you feel vulnerable, but that is due to your situation, not your relationship. Financial abuse tends to be when one partner withholds joint assets, prevents the other partner from working/earning or whathaveyou. And tends to be when one partner has made sacrifices for the family/partner/kids.

None of these things apply to you. You have the ability to earn your own money etc.

You speak of him very disparagingly, why are you with him?

SwingingPonytail · 04/06/2024 18:15

I don't believe the stuff about the repossession.
It's always a very final act and mortgagees are give every possible chance to pay , like a mortgage holiday etc.

You must have been sailing very close to the wind for a while with no savings as a back-up to get into such a situation.

I suggest you get expert, professional help on managing your finances.

Dancingonthemoonlight · 04/06/2024 18:17

Yea this is financial abuse.... on your part though not his. It's not his fault you're struggling.
I'm getting Golddigger vibes from you to be honest.

Your not a wife/mother of his children hell you don't even live with him and you EXPECT him to finance you? Pay the man back and learn to budget your own money.
Sheesh

adviceneeded1990 · 04/06/2024 18:17

Barrenfieldoffucks · 04/06/2024 18:15

I get you feel vulnerable, but that is due to your situation, not your relationship. Financial abuse tends to be when one partner withholds joint assets, prevents the other partner from working/earning or whathaveyou. And tends to be when one partner has made sacrifices for the family/partner/kids.

None of these things apply to you. You have the ability to earn your own money etc.

You speak of him very disparagingly, why are you with him?

Because he has savings/assets of £1.5 million.

Anxiousheartbeat · 04/06/2024 18:17

Mochachoc · 04/06/2024 04:21

So your married, but apparently i'm the sponger? That's an odd way of thinking.

Have been independent and managed to support myself my entire life, with no help whatsoever, or any handouts or child benefits paid by the taxpayer, yet I am apparently unwilling to take responsibility for myself. Yeah Ok.

Seriously some people seem to just be unable to cope with the thought of a single woman living alone.

“Single woman living alone” = excellent

“woman in relationship sponging off partner” = not so

CandidHedgehog · 04/06/2024 18:18

adviceneeded1990 · 04/06/2024 17:49

Sounds more like he’s being financially abused! You’re a middle aged woman, doesn’t asking for help from a man embarrass you and make you more motivated to look after yourself?

Why do you need six months rent? I’ve never heard of more than a deposit and a months rent upfront but maybe you live somewhere very different.

Can you take on more hours or a second job? Claim a UC top up? Claim PIP or DLA if health problems impact how much work you can do? I sympathise with you having to start all over again, I had to do the same due to an abusive ex stealing money and it’s hard. But relying on a man isn’t the way to go here!

You need proof of income for the normal method of renting. If someone has no way of proving they can pay (which the OP doesn’t because she has no income), some landlords will rent by taking 6 or 12 months rent in advance.

SwingingPonytail · 04/06/2024 18:18

He is extremely financially well-off and doesn't seem to care if I become homeless, which has left me feeling incredibly insecure.

You cannot FORCE someone to 'loan' you money.

You come across as a bully. Trying to pressurise someone into supporting you.

If he doesn't want to fund your life any more, end the relationship.

JossFiddler · 04/06/2024 18:19

This reply has been deleted

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adviceneeded1990 · 04/06/2024 18:19

CandidHedgehog · 04/06/2024 18:18

You need proof of income for the normal method of renting. If someone has no way of proving they can pay (which the OP doesn’t because she has no income), some landlords will rent by taking 6 or 12 months rent in advance.

Ah ok! Thanks I’ve never heard of that. So this could be solved by the OP earning her own income then?

SwingingPonytail · 04/06/2024 18:19

Because he has savings/assets of £1.5 million.

The assets are probably the two houses he inherited.

How on earth do you even know his financial details?

SallyWD · 04/06/2024 18:20

adviceneeded1990 · 04/06/2024 18:17

Because he has savings/assets of £1.5 million.

His assets are supposedly worth 1.5 million (two houses, I think) but he's said he's used up nearly all his savings on the OP now so he doesn't have loads of spare cash

Summerflames · 04/06/2024 18:21

You forgot the courts fault 🤭

adviceneeded1990 · 04/06/2024 18:22

SwingingPonytail · 04/06/2024 18:19

Because he has savings/assets of £1.5 million.

The assets are probably the two houses he inherited.

How on earth do you even know his financial details?

I don’t obviously 🤯 the OP mentioned that figure.

Shinyandnew1 · 04/06/2024 18:22

Just to clarify as well as far too many assumptions are being made by many people, none of the money he has helped me with has been "given" to me-The money is loaned.

How much have you had from him in total in ‘loans’?

Please could people stop saying boyfriend / girlfriend. Neither of us are 12 years old.

He is not your husband or partner. He is your boyfriend.

He isn’t financially abusing you, he just doesn’t want to have to provide for you financially because you don’t earn enough. How much do you earn with your self employed job?

Holluschickie · 04/06/2024 18:22

A loan now you say? How on earth will you ever pay it back? I think your gentleman friend also believes you won't pay it back, so he is distancing himself.

Kindly, you need to get some professional financial advice and find out what benefits you are eligible for.

adviceneeded1990 · 04/06/2024 18:23

SallyWD · 04/06/2024 18:20

His assets are supposedly worth 1.5 million (two houses, I think) but he's said he's used up nearly all his savings on the OP now so he doesn't have loads of spare cash

That was in answer to the question of “why is she with him” btw. I definitely don’t agree he should be spending any money/savings on the OP!

WiddlinDiddlin · 04/06/2024 18:23

Anyone else curious to know, if asked, would the 'partner' describe himself as:

Partner
Boyfriend
Friend
Acquaintance
Friend with Benefits

As OP refuses to offer any detail on how this relationship actually works beyond her asking for money and him either giving or not giving it... I can see why some people are getting Baby Reindeer vibes!

Medschoolmum · 04/06/2024 18:24

This reply has been deleted

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What a fucking stupid comment.

Idroppedthescrewinthetuna · 04/06/2024 18:24

This has to be one of the most infuriating threads I have read in a while. Your poor bf must be exhausted.
Am I being financially abused?: No more like the other way round. 'Shut up you don't know the facts'

Op if you are going to ask questions accept the blinking answers.
The lack of independence coming from someone who seems to have some false sense of independence is ridiculous.

Get a bloody job! Not the self employed, not paying enough job you have now.
I feel like I am talking to my 16 year old but she seems to have more sense. So let me spell it out.
You need money? Get a job.
You can't afford necessities? Get a job
Your Boyfriend won't help you as much or the way you like? Get a job.

Message to the BF... run! Run fast!

Choochoo21 · 04/06/2024 18:25

Is it ever your own fault?

So far you’ve blamed your DP, DWP, the council but you’ve not taken any blame yourself.

You are responsible for your own debt and financial responsibilities.

You are taking the piss out of this obviously very trusting, vulnerable man and you don’t even have the decency to act appreciative.

Sort yourself out because if this man leaves you (which I hope he does), you’re actually going to have to be responsible for yourself.

Feelsodrained · 04/06/2024 18:26

BetterWithPockets · 04/06/2024 17:47

You can still be in a relationship — and both consider yourself partners — without living together or being married!

Yes of course you can. There’s absolutely nothing about the term partner that implies that it must involve cohabitation.

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