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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

I've been a fool. I'm stuck and I need advice :-(

120 replies

Desperatelystuck · 22/01/2025 12:48

NC for this.

Please be gentle I'm extremely fragile over this situation atm and understand I look foolish to anyone reading. I'll try and keep it as short as I can.

Been with P for 7 years, have DC - toddler.

I am in an abusive relationship and I only faced facts the year my toddler was born, that it was emotional, coercive and financial abuse (told me he would leave if I gave him money, I did, and he didnt leave). I can't go into detail or this would go on forever. I have very low self esteem and thought we had a relatively happy relationship prior to DC because I was so blinded by the good, when it was good. I quickly buried my head about the bad and accepted that I had made him act the way he did etc.

I used to own my home before DC, P lived with a friend and was a first time buyer and was able to find a "do-er upper" with a garden etc, and was accepted to buy with a low deposit. I gave them half of the deposit and lawyers fees to do this.
I then sold my flat (tenement was owned by social housing and they refused to contribute to repairs badly needed on the building) I felt I had no choice but to sell asap before it got worse. The proceeds of my sale went to Ps house renovations and I also pay for all bills, apart from mortgage & council tax. The promise was that my name would also go on the house. That hasn't happened. He dangles this over my head.

He earns £52k + and I earn £42k. He said the fairest way to split bills was that I pay 40% and he pays 60% - I genuinely don't know if this is OK as I struggle with numbers massively.

The problem is he is a relentless bully, I can't take the absolute lies and verbal abuse he gives me. He is narcistic and never takes the blame for anything and will down right lie his way out of anything he is challeneged about. The worst is, people on the outside would be shocked if they even scratched the surface as he appears this really likable guy to everyone else. I tried to leave him before and was successful but the situation wasn't ideal, I was living in my mums with a small child and barely a thing of my own, and was an absolute nervous wreck due to his intimidating behaviour and constant verbal abuse about everything I done, I didn't react to any of this and kept as calm and composed as possible at all times. He eventually calmed down and started (which I now know as) "love bombing" me. I genuinely thought he'd changed. And I genuinely thought this could work and would be best for DC to have us all live together and a new start.

Clearly I'm posting here because a leopard never changes its spots.

Any time there's an argument he tells me to "fuck off out" "it's his house" "I pay for nothing" (the bills mentioned above equate to £1400 and I pay for all DC expenses as well as household products etc) he has such a sense of entitlement and takes everything I do for granted (I work FT and do every bit of housework and DIY). He is a hands on dad and I tried to settle with this to justify to myself that this is all ok and as long as he's a good dad I can put up with the rest for my DC.

I don't have much in the way of savings as the house has had constant renovations, and I know for a fact he'd do everything in his power to not pay me a penny in CMS.

FWIW I could genuinely spew looking at what I am about to post, I can't believe this is my life and I desperately need some help/advice from anyone who's been in a similar situation or has any advice as to what I could do from here. I am already beating myself up as I feel I have failed my DC from being in this situation and I know how financially stupid I have been. I feel like I can't tell my parents due to the shame and embarrassment of this and I wouldn't know where to begin in telling a friend.

Posted in AIBU for traffic.

OP posts:
holrosea · 22/01/2025 14:53

https://survivingeconomicabuse.org/what-we-do/financial-support-line/

This line might also be useful OP, it is a helpline that focuses specifically on financial advice and support for victims of domestic violence.

You posts sound as though you are really low and are kicking yourself. You have taken a really big step to post this and to seek advice, the scales have fallen from your eyes and it is clear that you are starting to feel ready to say "no more". This is enourmous, and you have more strength than you know. xx

Financial Support Line - Surviving Economic Abuse

The Financial Support Line empowers people who have experienced or are experiencing abuse to regain control of their finances.

https://survivingeconomicabuse.org/what-we-do/financial-support-line

MondayYogurt · 22/01/2025 14:58

I'm interested to know what he told the solicitors on the house purchase when they asked where his deposit came from.
Hope you can find some good legal advice.

Treesandsheepeverywhere · 22/01/2025 15:01

This is a hard and painful lesson OP.

Treat it as 25k you didn't insure and it's burned down.
Which is basically what happened here, you gave away that money with no insurance.

The good thing is you can put this behind you.

It's money, you can earn more. What you can't change is his behaviour, so focus on the things you can change and be courageous enough to do so.

It's better to have nothing for a few years than have an abuser as a partner for many years.

He will move on to your child, and if not, your child will witness the abuse to you, which is a form of abuse itself.

Realising he's never going to change was the first step.
Posting on here is the second step......

So you're already ahead and you just need keep the strenght and keep going.

One day all this will be history, there is light at the end of the tunnel.

GiveMeSpanakopita · 22/01/2025 15:05

You are NOT stupid OP. At every stage in your life I expect you've done the best that you can with the information you had at the time. And you have a beautiful DC.

Extract yourself from this relationship first and foremost and resist his lovebombing. Even if you never see another penny from what you put in to his house, at least you won't be throwing good times & money after bad. Put yourself and DC first xx

Endofyear · 22/01/2025 15:19

Sweetheart, don't beat yourself up - you can't change what's happened in the past but you can take control of your future. I know it's scary but you can do this.

Go to your mum's, cancel all the bill payments and contact women's aid - they can point you in the right direction for legal advice and support. You earn a good salary, you will be ok. If you have to write off what you have paid into the house so far, so be it. It's a small price to pay for your freedom! You have the rest of your life to live and you can be happy again 💐

Ohnobackagain · 22/01/2025 15:19

@Desperatelystuck re the bills - do you pay him money that covers the bills? Although the % is actually a little in your favour, I’m shocked it amounts to £1400. What bills and how much are they?

Desperatelystuck · 22/01/2025 15:22

CheekySquid · 22/01/2025 14:34

It's called gaslighting. I have been through a very similar situation. Yes you can sort this out legally through a solicitor. Go through women's aid. They will provide you with legal advice from professionals with plenty of experience in this area, as well as emotional support and advice on safe next steps for yourself and toddler. I wasn't married either, nor on deeds or mortgage. You will need to provide all your bank statements, especially those that provide evidence of transfer of 25k for down payment. For now carry on as normal until you speak to Women's Aid. Do not let him know your plans going forward.

Omg this is amazing news! And I'm so happy to hear this worked out for u. Thank u so much for the advice I wasn't expecting to hear a positive like this x

OP posts:
Gilead · 22/01/2025 15:23

I did 23 years with an arsehole like this. His official dx was BPD (Borderline) with covert narcissism. I thought everyone outside thought that he was amazing, turns out they didn’t. I had him arrested for coercive and controlling behavior with a hell of a lot of support from people on here. I live a lovely life now, calm, quiet and pleasant. Please get rid of him, you won’t regret it.

Ericabro · 22/01/2025 15:23

I have been where you are and looking back I wasted ten years of my life suffer terribly with anxiety and because I stayed far to long more and more money down the drain and little ones all sorts of problems at school so if you do not deal with this now love it does just gets worse, you can do this and if you decide to go to the police or thinking of it financial abuse is also a issue but at least for now start a diary and just write down what you can remember good luck love x

DreadPirateRobots · 22/01/2025 15:28

Do you have anything written reflecting the intention for you to be added to the house deeds? Doesn't have to be lawyers or formal paperwork - texts, emails? IANAL but my understanding is that if you can demonstrate that that was your intent/agreement as a couple, that is legally important.

I actually think you are in a better position than many and are likely to have a claim, albeit making it will not be easy or cheap. But I would talk to a lawyer asap.

ByQuaintAzureWasp · 22/01/2025 15:31

Op you've got yourself in a right old pickle, but the good news is you can get out if it.

  1. Find all documentation regarding deposit and money youve paid for renovation works.
  2. Take all the documentation to a good solicitor for advice.
  3. Contact your Mum and Dad - do not be embarrassed, they won't care!
  4. Leave x 2 you leave and leave an upstairs taps running in way out
  5. Contact kitchen company and tell them not to fit the kitchen (if they haven't already) - tell them you will still pay
  6. Take your name off water, electric, gas, council tax, and cancel any insurances and internet you have on house
  7. Apply to CMS

Do not look back, only forwards ... to your new life.

Greyish2025 · 22/01/2025 15:36

Desperatelystuck · 22/01/2025 13:17

I meant to add, does anyone think I'd be wasting my time/money on trying to tackle this in court? I feel as if everywhere I've read looks as if I don't have a leg to stand on.
And although I pay the rest of the bills, I don't "contribute" to the mortgage as it would look on paper. This does me no favours what so ever.

You really need to get legal advice on this, get all you documents / evidence of payments towards deposits :e-mails about payments / texts about payments etc etc together

Greyish2025 · 22/01/2025 15:39

ByQuaintAzureWasp · 22/01/2025 15:31

Op you've got yourself in a right old pickle, but the good news is you can get out if it.

  1. Find all documentation regarding deposit and money youve paid for renovation works.
  2. Take all the documentation to a good solicitor for advice.
  3. Contact your Mum and Dad - do not be embarrassed, they won't care!
  4. Leave x 2 you leave and leave an upstairs taps running in way out
  5. Contact kitchen company and tell them not to fit the kitchen (if they haven't already) - tell them you will still pay
  6. Take your name off water, electric, gas, council tax, and cancel any insurances and internet you have on house
  7. Apply to CMS

Do not look back, only forwards ... to your new life.

  1. Leave x 2 you leave and leave an upstairs taps running in way out

Do not do this, if there is a possibility the property is partially hers then she is potentially doing damage to her own property

AcrossthePond55 · 22/01/2025 15:41

@Desperatelystuck

You've been given excellent advice about talking to WA and keeping very quiet for now, gathering documents, and seeing a solicitor. A solicitor is best placed to tell you the legal truth. And they and WA are best placed to tell you the best time and the safest way to leave.

I just want to say that, no matter the legal answers you get re finances, your precious life and that of your child are so much more valuable than any money you may lose over this. Try and do what you can, but don't stay one more second than you have to simply because of debt.

Greyish2025 · 22/01/2025 15:42

Desperatelystuck · 22/01/2025 13:26

Maybe around 25k and the DD for the new kitchen comes out of my account.

Paying him to leave was during a time at my house before I sold it. This should have been the only red flag I needed. But I wasn't in a fit state of mind after a difficult pregnancy and very premature birth.

There is no one feeling more foolish than me now.

the DD for the new kitchen comes out of my account

This is actually great, you have evidence that you have been contributing to the house, don’t cancel this until you speak to a solicitor

Desperatelystuck · 22/01/2025 15:43

GiveMeSpanakopita · 22/01/2025 15:05

You are NOT stupid OP. At every stage in your life I expect you've done the best that you can with the information you had at the time. And you have a beautiful DC.

Extract yourself from this relationship first and foremost and resist his lovebombing. Even if you never see another penny from what you put in to his house, at least you won't be throwing good times & money after bad. Put yourself and DC first xx

Thank u so much, this is 100% my problem, I have always done what I have felt is the right thing to do, and looking back it's usually been what's right for others or what would make others happy. I really hadn't realised I was like this so much until this mistake.

I keep telling myself everything happens for a reason and I did think I was bettering my childs life. They come first and I will get back on the saddle again. Ur comment has mean more to me than what u know x

OP posts:
2025Hackathon · 22/01/2025 15:44

The equitable split of expenses is the least of your issues, OP.

For various reasons, because he earns almost 25% more than you do (relative to your income), I'd go for a greater differential than others suggest. But, there are so many other issues to resolve and they're the more important ones.

Good luck!

Desperatelystuck · 22/01/2025 15:47

justasking111 · 22/01/2025 14:48

Do you have a dad, brothers, male friends @Desperatelystuck ?

Yes, but I am fiercely protective and would like to keep them out of this as much as possible. The fact they'd worry about me would hurt me more than this. I will be careful x

OP posts:
Wakeywake · 22/01/2025 15:53

You've made some financial mistakes, but at the end of the day it's just money, it's not worth wasting your life with this person over it. You may be able to recoup some of it, but even if you don't, cut your losses and leave. But please share with your family, it's good to have people supporting you.

coolkatt · 22/01/2025 15:54

Come on babe, u know the answer. You need to leave. Just pack ur kiddos belongings, grab your stuff and leave. Don't go over money, you have money that will sort itself out eventually. It always does. The most important thing now is you are out of that house, and ur child isn't affected anymore by him. But you just need to do it. And it's is hard. But by god find what respect you have left for yourself. And think of yourself and your kid. Do not think of him, what he will say, do/not do etc. just get the fk out of there. Your family will be glad. It's gonna be a rough year for a bit but it wil be so so so so so so so worth it!!!!!! This next year you will be looking bk thinking why did I leave it so long, you will be happy and most importantly you child won't remember the toxic situation he was born into. Please please just go.

GiveMeSpanakopita · 22/01/2025 15:56

Desperatelystuck · 22/01/2025 15:43

Thank u so much, this is 100% my problem, I have always done what I have felt is the right thing to do, and looking back it's usually been what's right for others or what would make others happy. I really hadn't realised I was like this so much until this mistake.

I keep telling myself everything happens for a reason and I did think I was bettering my childs life. They come first and I will get back on the saddle again. Ur comment has mean more to me than what u know x

looking back it's usually been what's right for others or what would make others happy

Women are socialised to do this. It took me almost a decade to unlearn it :-)

But on the upside you have learned this incredibly important life lesson at a relatively young age, which means that your future life will be much better :-)

newyearsresolurion · 22/01/2025 15:56

@coolkatt well said

coolkatt · 22/01/2025 16:01

I want to add please don't get tied down right
Now with the money. Stop all payments to any bills tied to his home immediately, take proof of any paperwork you pay for when you go. This is essential if you plan to take him to court for money due you. the rest you can sort out once you get settled get your head cleared and get into a routine at ur mums and your child is settled. Your soon to be ex is gonna use money as a way the threaten you. In reality he will be shitting his pants cos he is having to find the money to cover your share. His problem. Put money to the back of your head and once settled and ready you decide what to do. This is your time now to agree that info when he is out. Take pics of everything. But once you leave don't dwell on this first. Your mental health must come first as well as your son. Money is not the priority right now. Get your spirits up by knowing you will have £1400 more in your bank as soon as you leave. And fk that bastard, he is sitting there happy thinking you will never do this, please please for your own sanity do
It. You wil never never regret it.

CarliLove35 · 22/01/2025 16:01

Oh my love, you shouldn't be with this awful man for another minute. Pack your bags, go to your mum's, then make an appointment with a solicitor. You and your child deserve better than this. Get out now, and live the rest of your life free, happy and fulfilled.

MikeRafone · 22/01/2025 16:03

how long ago did you sell your flat and where did you put the money? There would be a paper trip of you putting the money into his account?

get out of there by calling a woman refuge and getting help through them, they will help you in more ways than one