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Help escape abuse MIL

116 replies

Babybrain101 · 08/01/2025 03:21

I need help so sorry for the long ish post ( i wont go fully into all the details)

So i live with my partner at his mums house ( she hasnt live there for a year as she “moved in” with her boyfriend so since she moved out i moved in). She is due to return home in a couple of weeks due to things ending with her boyfriend. I may state his mum does have mental health issues. But for the last few weeks she has been telling lies to other family members. She has told them she wants a lock on her bedroom door because her son steals from her ( he never has and never will ) , she keeps giving us constant orders and really being bossy about it. My partner had to explain he works so he doesn’t have the time to do absolutely everything for her but every time she doesnt get her way she starts an argument or threatens to kick him out.
She has been in and out of mental health hospitals. Over the years i have known him she has consistently threatened to kick him out, kill his animals , attack him and me ect. She told the police he abuses her ( he would never do a thing like that ) we tried to speak to her CPN but they always believe her. My partner tried to get citizens advice to move out but was told no unless he has the money to they wont be able to help. I’ve tried to explain to my partner i understand she has mental health but this is now abuse at this point. In the past he said she has attacked him ect.
we are in a desperate place to need to move out with no help. I am also currently in early stage pregnancy and i also dont work due to health issues so i dont exactly have alot of money. We are scraping by each week because his mum will leave us to pay for everything ( she also doesnt work but spends all her money on drugs and alcohol). Saving up for a house seems impossible now but we need to get out for our own safety and sanity ( i may add she has countless outstanding loans unpaid so its also affected my partners credit score)
any advice would be great? Uk based so if anyone know anything about how to buy a house? ( we honestly cant work out how you go about even buying one) it would be absolutely wonderful

OP posts:
2024riot · 08/01/2025 03:26

How would you buy a house with no money ?

Babybrain101 · 08/01/2025 03:28

I wanted to know what steps people took to save ect. No money doesnt mean we cant try and save. I really cant have me, my partner and our baby in this environment

OP posts:
username299 · 08/01/2025 03:28

Do you think it's a good time to be pregnant? You have no money and could be homeless.

Why hasn't your partner been able to save anything? I assume he's not paying rent. How are you expecting to buy a house with no money?

The answer to this is to move out. Rent in a house share if necessary. Save enough for the deposit and leave. He can contact the National Debtline regarding her debts and his credit score.

Babybrain101 · 08/01/2025 03:32

username299 · 08/01/2025 03:28

Do you think it's a good time to be pregnant? You have no money and could be homeless.

Why hasn't your partner been able to save anything? I assume he's not paying rent. How are you expecting to buy a house with no money?

The answer to this is to move out. Rent in a house share if necessary. Save enough for the deposit and leave. He can contact the National Debtline regarding her debts and his credit score.

When i say have no money i mean i have none that could get us to move out. I can happily afford to provide for a baby. He pays rent, council tax, gas ,electric ect. His mum spends nothing on the house. She hasnt done for about 10 years now.

OP posts:
username299 · 08/01/2025 03:36

Babybrain101 · 08/01/2025 03:32

When i say have no money i mean i have none that could get us to move out. I can happily afford to provide for a baby. He pays rent, council tax, gas ,electric ect. His mum spends nothing on the house. She hasnt done for about 10 years now.

You may be able to get help from the council regarding a deposit. There are ideas here.

Shelter icon

Options if you cannot afford a deposit or rent in advance - Shelter England

Use a rent deposit scheme. Apply for a DHP. Avoid payday loans. Search for a grant. DWP budgeting advances and loans are interest free but must be paid back.

https://england.shelter.org.uk/housing_advice/private_renting/rent_deposit_bond_and_guarantee_schemes

Ihateslugs · 08/01/2025 03:42

I have replied on your other post, it would be helpful to delete that one.

DaftyLass · 08/01/2025 03:53

You will need to look at renting not buying, and maybe in another area if your area is expensive

raggedbottomjeans · 08/01/2025 04:06

The baby isn't here yet. So the money you plan to spend taking care of it, put that money in a bank account and soon you'll have enough for a rental deposit. Your boyfriend pays rent, council tax, utility bills as it is. So all that needs to change is he starts paying those things on a rental for you two instead of his mum's place.

Do you both have a job? Private rentals will want to check your income before they'll rent to you. Without sufficient income they'll want a guarantor. His mum will probably refuse since she's seemingly pretty nasty. She also may not have enough income herself to be accepted as a guarantor. If you don't know, a guarantor is a person who legally agrees to pay the rent if you don't pay it for whatever reason.

If you don't have sufficient income or a guarantor, you can offer the landlord 6 months or a year's rent upfront. This helps mitigate their risks in renting to you. They may or may not let you pay monthly after the initial rental term ends. So it's wise if you spend the time saving up the next 6 months or a year's rent in case you have to pay that way again. The landlord can't legally ask for huge amounts of rent in advance like this, you have to offer it and they don't have to accept.

To rent or buy, visit an estate agent. Most have a lettings (rental) section as well as properties for sale. They can tell you all about the various fees for property purchases.

You'll need a mortgage from your bank (or a bank) so you can visit the branch and ask to speak to someone about that so you can find out how it works and how much they'd lend you and how much deposit you'd need (they don't usually lend 100% of the property's value).

It should be free to speak to estate agents and bank staff. If you purchase a property a solicitor will be needed too, speaking to them isn't free, it's expensive.

In very simple terms, to rent, you see what is available at the letting agent, arrange with them to view it, tell them you want it, they complete checks and if you pass these, you pay the fees and the deposit and the advance rent (one month in advance is usual), then move in. Most rentals are available almost immediately and at the end of your tenancy if you're asked to move out you don't get much notice of that either.

Buying takes a lot longer because everyone has to have sold whatever they currently live in (not you because you don't own anything yet) and also to have found somewhere to move to, so you end up with a chain of people who are all depending on each other for the sales of all the properties to go through without a hitch. In simple terms, to buy, you look at for sale ads in estate agents and arrange a viewing of any you're interested in, once you've picked one you arrange searches. These tell you things like eg if the house was built on a massive sink hole and the previous three houses built there all lasted ten years before being sucked into the hole - and other such disastrous things you'd like to know about before purchasing. (I'm exaggerating by the way, I'm not aware there are any sink holes). Then it's a survey to give a basic overview of the state of the building eg noting if there's a hole in the roof etc. Which might affect the price you're willing to pay for the property. Then solicitors draw up the paperwork, both parties exchange contracts and on completion day you pay the purchase price/collect your sale price and collect the new keys/give the old keys and move out/in. Everyone in the chain on the same day.

Note that a surveyor and a solicitor works for you and should have only their own your interests at heart. Estate agents and letting agents work for the property owner and have their own the property owners interests at heart. They're sales people on commission. They're not going to point out all the flaws to you.

raggedbottomjeans · 08/01/2025 04:15

Does your boyfriend have a rental contract with your mum (or with whoever owns the property if that isn't his mum)? If there's no rental contract he doesn't have to give any notice to move out, he can just find somewhere and go.

Make sure your name is on the tenancy or deeds too when you rent or buy, otherwise if you split up he can kick you out without notice. If your name is on it you have the right to live there whether he likes it or not. Same applies to him.

If there's a current rental agreement check what it says about the notice period and comply with that. Clean the propy thoroughly upon moving out otherwise the landlord can keep some of the deposit money to pay a cleaning firm.

Ownyourchoices · 08/01/2025 05:23

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DonaldTrumpsFakeTan · 08/01/2025 10:07

Your best bet would be to present as homeless to the council

Babybrain101 · 08/01/2025 10:50

raggedbottomjeans · 08/01/2025 04:15

Does your boyfriend have a rental contract with your mum (or with whoever owns the property if that isn't his mum)? If there's no rental contract he doesn't have to give any notice to move out, he can just find somewhere and go.

Make sure your name is on the tenancy or deeds too when you rent or buy, otherwise if you split up he can kick you out without notice. If your name is on it you have the right to live there whether he likes it or not. Same applies to him.

If there's a current rental agreement check what it says about the notice period and comply with that. Clean the propy thoroughly upon moving out otherwise the landlord can keep some of the deposit money to pay a cleaning firm.

He has no rental agreement, its her property but she makes him pay for everything for it

OP posts:
ByQuaintAzureWasp · 08/01/2025 10:52

Babybrain101 · 08/01/2025 03:28

I wanted to know what steps people took to save ect. No money doesnt mean we cant try and save. I really cant have me, my partner and our baby in this environment

Work
Saving

Those are the two main things.

ByQuaintAzureWasp · 08/01/2025 10:53

Babybrain101 · 08/01/2025 10:50

He has no rental agreement, its her property but she makes him pay for everything for it

If he's paying first everything he can afford to do the same in a rental property - just move out

Babybrain101 · 08/01/2025 10:53

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I have a chronic illness thats not going away so that has nothing to do with having a baby. We are not dependent on her at all. My partner works and pays for absolutely everything in HER house as i stated because she wont. He has done even before we were together. Her daughter also used to have to pay aswell but she recently left the home which unfortunately put the whole payments on my partner.

OP posts:
purplecorkheart · 08/01/2025 10:56

You need to forget about buying at the moment.

In the short term you both need to move out. Look at air b&b or similar for a few weeks until you find your feet, Your dp needs to stop paying his mothers bills etc. Once you are out of the house look into renting an apartment/flat/house etc.

DollopOfFun · 08/01/2025 10:59

My partner works and pays for absolutely everything in HER house as i stated because she wont

Yes because he's living in HER house. Do you think he shouldn't?

Get a deposit together, find a rental and all the money he's paying currently goes on your own rent and bills.

Babybrain101 · 08/01/2025 10:59

DonaldTrumpsFakeTan · 08/01/2025 10:07

Your best bet would be to present as homeless to the council

So the coucil where we live we have to prove homelessness. As both him and his sister went down this route before when she told him she wanted him gone. They contacted his mum to ask if she was removing then and making them homeless as if she said yes they would get the help. But instead she said no and called police on him saying he was lying and threatening her. Police turnt up and due to the fact she is known and he hadnt done nothing it was all dropped

OP posts:
InfoSecInTheCity · 08/01/2025 11:00

Hi mum not paying her loans shouldn't affect his credit score unless the loans are in his name so you need to figure out what's going on there.

Realistically unless you have at least a 10% deposit saved, which for a small cheap property is going to be at least £10k you aren't going to be able to buy any time soon, but if you can improve credit score you should be able to rent. You'll need to save a couple of thousand for deposit and moving costs and then use the money currently being paid for the house you are in to pay the rent on the new place. His mum will need to pay her own rent.

You should also look at your local council eligibility and application process for social housing. It's highly unlikely to be a quick process but it's worth looking at if you meet the criteria.

PiastriThePastry · 08/01/2025 11:01

Buying is an unrealistic prospect for you at the moment so I’d put that aside for now. If your boyfriend is paying for everything in the house at the moment, there should be funds to rent somewhere of your own surely? It won’t happen overnight but you can put the wheels in motion.

Babybrain101 · 08/01/2025 11:02

DollopOfFun · 08/01/2025 10:59

My partner works and pays for absolutely everything in HER house as i stated because she wont

Yes because he's living in HER house. Do you think he shouldn't?

Get a deposit together, find a rental and all the money he's paying currently goes on your own rent and bills.

im not saying he should contribute but she doesnt put a penny into the house at all. She gets housing benefits ect but all of that goes on to drugs and alcohol. He asked could his name also be put on the rent then and she told him no. The problems go back years with his mum. Since his childhood , like i said i didnt want to go too far into detail on everything as its not a nice subject

OP posts:
Ownyourchoices · 08/01/2025 11:05

This reply has been deleted

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Waterbaby41 · 08/01/2025 11:06

Why doesn't your DP just stop paying the rent. You two move out into rented and start saving like mad for a deposit. Just because he has always paid doesn't mean to say he has to continue. He has the choice.

Frostine · 08/01/2025 11:08

Rather than start saving for a deposit for a mortgage , which will take ages , why not save for,a deposit to,rent,a 1 bed flat . The baby will be fine in with you . Get out of her house and go nc .

Parsley1234 · 08/01/2025 11:08

How do you think you can get a place to live ? You don’t work and you’re pregnant how do you think this is going to work out ?

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