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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Remortgaging house to pay off debt

39 replies

HollyHunter18 · 08/04/2018 10:10

Please give me your perspective I feel I have lost faith in mine.

My parents set up a trust before my sister and I married into which was paid the proceeds of sale of my fathers business and money saved by my aun who never spent a penny on herself but had no children. My family are comfortable but not rich. When my husband and I bought our first house this trust put down the deposit which was 50 percent and my husband and I both make equal mortgage payments for the remainder. When we first got our mortgage after being married a year, he added on £20 k to pay off debts he had accrued. When I met him he told me he supported his family who lost their savings through no fault of their own in another country and I was naive and thought this was a short term thing- I had no children and was in love and I admired him for the values it showed he had. This debt he has was partly due to thissupport of them. I am a SAHM and cannot go back to work st the moment because my 3 year old has ASD ans I have a young baby. My husband works hard as a medical professional. He is entitled to support his family and he had been doing this for the last 6 years and it is a long term thing. This is up to him. However, there are always larhe “ one off” payments which need to be made to them for things which are no fault of their own. I gave my husband £ 10,000 to help with things they needed and he was only grateful for a short while and then said some nasty things about my trying to “ buy off his depression” which made me really angry because this money was savings from my aunt who has always gone without. I made this payment and also £10 k to pay off credit card sect of my husband which apparently was partly my fault because he spends £500 a month commuting so I can live where I do ( this was not my decision alone though!). Anyway I gave this money because i wanted h to be free of worry and to have a clean slate. He has never been appreciative of this though and never lets me feel included I. His supper of his family. I am not allowed to question it or ask questions because I have a trust. I do not understand this logic. He talks about my trust as if it is a bad thing when we would have had no deposit for a house otherwise. It makes me very angry because my parents are giving me money to par for a nanny to help me as my son’s behaviour is so difficult for me to manage whilst caring for my baby but this means they have nothing left for holidays etc. This Babb is help my husband demanded repeatedly I get because my “ need help”. He did not plan how this would be paid for. Anyway our mortgage is up on the summer and I am overwhelmed with the children and he upon returning from his family overseas asked if I was happy to leave it to him to deal with. I said I was. Had I not asked heveould not have mentioned that he had again added £20k to pay off debts from his trip when very sadly a parent died and he had to pay for lawyers fees for wills etc etc. I know he had no choice to do this but what angers me is that he was being underhand, that he tells me it’s hidden In the mortgage and I dont understand, he’s nasty about my trust and doesn’t see that it benefits him and my children too. I’d he wasn’t regularly verbally abusive “ go fuck yourself” “ stupid cunt” and made me feel part of his support for his family I would not mind so much but he is often nasty to me, shuts me out of his support of them and £20 k could certainly have paid for this nanny he incessantly demanded I needed. How would you feel?

OP posts:
HollyHunter18 · 08/04/2018 10:12

Sorry i presses create rather than preview in error

OP posts:
HollyHunter18 · 08/04/2018 10:12

This nanny is help my husband demanded I have

OP posts:
chipsandpeas · 08/04/2018 10:14

fuck that, are you on the mortgage as well, no way would i sign agreeing this, hes basically sucking up all the deposit you have put down

Oly5 · 08/04/2018 10:15

OP. This man is abusive and spending lots of money in a way he doesn’t want you to question. He’s literally taking money from you and being nasty about it. Do you have any proof that this money is being used to help his family? He could be spending it on anything?!
I think I’d leave him to be honest. He doesn’t seem to be truthful and he doesn’t treat you well. Do you even love him?
I’d tell him the debt isn’t going on the mortgage and he needs to pay it back himself

DelphiniumBlue · 08/04/2018 10:19

He's an abusive, lying bully, and he's ripping you off. As you know he's a liar, why on earth are you letting him deal with finances?
In fact why are you with him at all?
He's taking your money and calling you horrible names, spending your money on his family whilst taking money from your parents.
I don't think I'd want to be with someone like that.

NoSquirrels · 08/04/2018 10:22

So how much money has he spent in total m? £60,000?

regularly verbally abusive “ go fuck yourself” “ stupid cunt” and made me feel part of his support for his family I would not mind so much but he is often nasty to me

He sounds awful. You don’t have to carry on living with that.

scotchpie · 08/04/2018 10:26

Your just a meal ticket to him - sorry

springmachine · 08/04/2018 10:29

Just reconfirming what pp's have said

Get out while you can

My parents were wealthy and helped y ex and I a few times in the past but then he kept running up Debra and would get angry when I questioned them.

Turns out he saw the privalidges as his privalisges too and that he should get what he could out of my parents

I divorced him and made sure he paid my parents back exactly what they gave him

Puzzledandpissedoff · 08/04/2018 10:31

there are always “ one off” payments which need to be made to them for things which are no fault of their own

And there always will be, I'm afraid, while he continues to regard you as a meal ticket Sad It's also interesting that nothing is ever anyone's fault - except yours, it seems, for daring to have this trust fund

Can I ask if you're from the same culture as your husband? Because if not ... and even if you are ... I wonder if this will ever work

Wanderwall · 08/04/2018 10:35

You really need to get out of this relationship.

He is financially and verbally abusive and using you for your money.

Viviennemary · 08/04/2018 10:39

This is a very complicated set up financially. Your DH is presumable earning a good salary but is heavily committed to paying for his family. There are too many outgoings here. So when that happens then debt occurs. I think in your position I would split up from him and go it alone. Because this is never going to be a satisfactory arrangement from your point of view.

HollyHunter18 · 08/04/2018 11:16

He makes me feel like a bad personality. When his parent was extremely unwell after he had recently returned from visiting I tried to find out whether he was going to go out again ( largely because my son’s behaviour is so challenging to manage with my baby I really need to know what’s happening). He basically accused me of asking when his father was going to die. It was me that then bought him a ticket at the last minute and he just missed him and I was left in chaos with the children. Because this recent debt is basically for his fathers care in his last weeks and then the legal costs in drawing a will for his limited assets I feel terrible questioning it but it angers me that he is so ungrateful and nasty about the help my family have given.

OP posts:
HollyHunter18 · 08/04/2018 11:17

It’s also hard because he works so hard and spends nothing on himself I feel sorry for him.

OP posts:
Cricrichan · 08/04/2018 11:24

I would not continue with this man. Split now and move somewhere cheaper where you can afford the help you need and be on your own or find a man who respects you.

But first see a solicitor to find out how you can ringfence what remains of your trust.

scotchpie · 08/04/2018 11:25

It’s also hard because he works so hard and spends nothing on himself I feel sorry for him

Really?

SevenStones · 08/04/2018 11:26

I think you need to stop feeling sorry for him - he is bleeding you dry!

There is nothing to feel sorry for in a horrible man who says horrible things to you and takes your money leaving you to cope on your own.

If you don't stop this you are going to end up in a terrible mess because he thinks of you as his "magic money tree" and little else.

GertrudeCB · 08/04/2018 11:28

Stop feeling sorry for him and look dispassionately at the situation.
He is verbally abusive.
He is financially abusive.
His family of birth will always come first.
Your PARENTS are having to go without to get you the help he is demanding you have.

Battleax · 08/04/2018 11:32

Why would you stay with a man who treats you like this?

It’s a terrible example to the D.C. and it will be particularly hard for a child with ASC to understand and reconcile as they become aware that their father behaves like this to their mother.

Is the trust fund equity in the house protected as yours?

You are fortunate to have strong family support. Can you work out what your overall financial position would b of you left him?

yetmorecrap · 08/04/2018 11:51

If his family are in a poor country, there is no way this amount of money is needed as support. In my opinion they are all having a good laugh at your expense and he is using you. He is probably sticking some of this away out your reach. Sorry to be harsh but I would take bets on it.

Puzzledandpissedoff · 08/04/2018 11:56

If his family are in a poor country, there is no way this amount of money is needed as support

I was wondering about that myself Hmm Admittedly we don't know where the family are, and even in less developed nations it's possible to spend a lot if they're expecting him to fund the very best, but all the same I'd want to know where it was going

Not that there sounds much chance of OP ever being told ...

DD2017 · 08/04/2018 12:00

I'm sorry you're having a hard time!
Things to think about...
-do you want your children to learn it's ok to speak to people the way he speaks to you?

  • does he treat your children this way?
  • why does he put his family before the needs of your children (present and future)?
  • why does he feels responsible for them? Would you expect your children to take care of you financially?
  • do you love him or pity him?
  • is he your responsibility?
  • when did he take out the £20k on mortgage? Did he fraudulently sign your name!?!?!?
  • have you spoken to anyone close to you for support?

Hope you work it out!!

QuiteLikely5 · 08/04/2018 12:04

He’s a con artist and an abusive one at that.

Why on earth do you stay with him?

A will? How? Why? His parents have nothing!

Are you sure he does not have another wife in this other country?

Have you met these people?

QuiteLikely5 · 08/04/2018 12:06

And your parents going without just to provide a nanny is very harsh imo.

HollyHunter18 · 08/04/2018 12:16

My parents want to help fund the nanny- they are going without only luxuries like a holiday which they say they don’t want anyway ... but I know. His family are not in a third world country they are in an expensive country which has had a financial crisis where the costs of having care at home which his father needed in his last weeks and that of a lawyer to draw a will- needed because they own a property although in this country this property has little value currently and currently means they are taxed heavily for having it. He does not have another woman I am sure. I don’t think he is a con artist but I don’t think he sees that what he is doing is wrong as for some reason he thinks it’s fair because my family have money and his don’t and I should be happy to do this as a loving wife.

OP posts:
Puzzledandpissedoff · 08/04/2018 13:55

His family are not in a third world country they are in an expensive country which has had a financial crisis

That ^might" explain their alleged "costs", but in such an area it's hardly likely their house would be worth so little, at least in the long term ... far more likely he doesn't want you to know exactly what they've got so he can carry on the "needy relative" narrative

he thinks it’s fair because my family have money and his don’t and I should be happy to do this as a loving wife

And if that's not the mark of a con artist, I don't know what is - though to give him his due, he's obviously done a good job on you Hmm Again, do you share the same culture, or is he just using his to muddy the waters?

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