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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Advice welcome please

1 reply

MumsinMaidenhead · 29/12/2020 22:54

I am divorcing a narcissist and have two children one who starts senior school in 2022. I am a full time student and uni is over an hour in traffic from where we live currently. Looking like marital house has to be sold as he has racked up so much debt and as a full time student I can’t afford to live there on my own with kids. His salary is about £65k. I get about £19k in loans and grants. When qualified I will get about 19k after tax working full time. He wants no weekday childcare responsibility so it all falls on me- breakfast club and afterschool club costs. Younger child 6 so 4 more years of that. Do I move closer to uni? Uni is full time Monday - Friday with lecture on site most days. Next year I have placements and have to pick which hospitals in February. There are a couple nearish to where we live. There are also some in the same town as the uni. I will have 3 more years of uni graduating 2023. I am torn between staying here or moving to uni town- which is also closer to my mother. There is nothing really for me in the town we live. The kids don’t have strong friendships and are never invited anywhere. I like the uni town and grew up there but it’s pricey though not more so than where I am now. I am really struggling with the decision of where to base myself especially that he says he won’t help at all makes me think I need to be as close as possible to uni/placements. Also the longer I have to travel home from uni the longer my children will be in childcare. Their dad is so abusive and I am stuck living with him it’s absolutely hell. He makes life an utter misery getting us in debt, not giving me money for the kids, threatening me every day, turning the kids against me. My mind can’t focus. Perhaps someone can see a bit more clearly and offer me some advice. Assets are about £300k but he has racked up hmrc debt selling a house and he got £107k from that but stole it all and didn’t set any aside for the tax, he spent it on a bmw and shopping and hid 50k with his parents saying they ‘loaned it’ then he took his bonus the last two years 9.5 k too. He made me borrow 40k on top of mortgage and took £30k of that too. And now he wants out of the 300k assets 60k now AND 30% after youngest 18. Uni town is Guildford and now it’s maidenhead. There are no 3 beds for less than 300k. I can’t afford ground rent service charge on 19k having to pay childcare and summer holiday club which will be about 6.5k a year. He has huge mortgage capacity I have none. But more so I can’t afford to pay a mortgage on 19k and live. Would be happy to rent a 3 bed house but that will be about 250k for next 12 years until youngest 18!!! Please help me see sense or a way out of this hell. I am desperate

OP posts:
Itsybitsydooda · 30/12/2020 01:26

Okay firstly, he doesn't get to be part time dad financially. Get as much evidence as you possibly can on what he has done with all that money. Its a pretty hefty sum that he's taken. Is the HMRC debt through a company? Also are you specifically named against that company if it is?
Start a claim for child maintenance. If he doesn't want to make an agreement on a figure or pay up then they'll also charge him more for the pleasure of paying up.

Unfortunately there isn't a lot you can do about the mortgage. You'll have to weigh up the pros and cons of moving and selling it v staying put.

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