Hi
Prob ethically wrong but .....
am divorcing stbx.
He over the years ran up many many debts and I always ended up sorting out his mess. Even now I help him with his money .
Im organising the divorce and paying all the costs .
He still lives with his mother ( 2 yrs later ) and has once again not paid his cc bill - I know because for 18 months the letters were still coming here despite me doing everything to stop them.
Its never thro lack of money. He is basically lazy .
Its small amounts defaulted because he just doesn't pay .
He was being chased for a debt of 3000 from 20 years ago .
I sat him down and explained that he shouldn't acknowledge it unless he intended to pay it but that after 20 years he need not worry .
I asked him if hed thought about claiming for PPI on it - he never would as after 27 years I know him . he's lazy ! If someone did it for him .... well .
I asked him if hed mind if I did as it was I thought in joint names . He said he was fine with that but wont even remember the conversation.
Anyway I filled out the ppi form and they've offered me 3200 payable to the complainant - me .
Now I know I should give him half ( he will spend it unwisely when assuring his 4 dc he has been saving for a deposit to rent his own house for 2 yrs but takes new gf away regularly instead ). And I also know what he spends it on really is none of my business.
However Im paying out £4000 for divorce and financial settlement this month which will wipe out the last of my savings .
Now I have the children 95 % of the time- they go about once a month for a sleepover. Also supporting daughter at uni .
He does pay maintenance regularly and well.
My best friend said - oh for goodness sake just use it to the pay the solicitor then you will have spent it on something to help you both move forward .
I think I will which is ethically wrong but I really need the money I have in case the car or boiler etc breaks . I am very sensible with money and looking to be in a postion to sell the house so we can make a new start .
Without judgng the ethics my question is when we declare all finances ect will I have to provide a backlog of bank statements as he would then see the payment of PPi go in and then rapidly out ?
Or is it a simple as opening another account ?
Thanks for reading