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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:
Faultymain5 · 08/04/2018 15:03

I'm afraid you (and your children) are being conned out of what is essentially a safety net.

Oneapenny · 08/04/2018 15:19

How can he expect you to be a ‘loving wife’ when he is using abusive and insulting language towards you? He is not being a loving husband.

Grumpyoldblonde · 08/04/2018 15:34

He saw you coming, you will end up with nothing. He is wringing you out.

scotchpie · 08/04/2018 16:58

Your nest egg is funding his family, your parents nest egg is running out.

You need to put a stop to him sending money back home, he has his own family (his children & wife) who will soon have nothing if you keep allowing it!

Springiscoming123 · 08/04/2018 17:30

dear god op what are you doing with this blood sucking leech

your a cash machine to this man and nothing else

what would he say if you said there was no more money

he sounds vile and im sure you would manage much better if you left him,you have supportive parents and a cash source,more than some

seriously this is not right and he is no husband or father in real terms

please think of yourself and children

Sn0tnose · 08/04/2018 18:02

So his family own a property that they could sell to help support themselves or at least pay their tax bill but instead of doing that, your DH is choosing to risk the roof over your head to maintain their lifestyle? How would he have found tens of thousands of pounds if he didn't have your deposit for a mortgage? And in what country does it cost £20k for a funeral and the costs associated with probate? Who did they hire? Judge Judy?

For your children's sake, go and see a solicitor. You need to make sure that he can't take any more money from the house without your permission. His family clearly take priority over you and your DC. It doesn't even sound like he wants you to have any connections with his family or that he even likes you. He is bleeding you dry and when the money dries up, he'll be off and you & your DC will be living back with your parents without a pot to pee in.

I think your parents are probably fully aware that your marriage will end around the same time as you run out of money so are paying for this nanny to make things as easy for you as possible.

Springiscoming123 · 08/04/2018 18:06

do you know for certain this money is going to his parents

could he have a second family,he sounds like he travels abroad,sorry but could be possible

Jon66 · 08/04/2018 18:08

You are a cash cow to this man. When the money is gone so will he.

Bluntness100 · 08/04/2018 18:16

He's given his family 60 grand so far? Fuck me. And he calls you names? That's terrible behaviour, any decisions should be joint.

He's basically giving them your money. Without your say so. Did he explain to you that on marriage you'd have to financially support his family too?

Why do you want to stay with this abusive leech?

GoldenBarbie · 08/04/2018 18:21

Do not give him anymore of your money because you might need that money as a way out.

If it was up to him he would like free access to your money.

dirtybadger · 08/04/2018 18:24

20k because someone died? Did they do everything the most expensive way? People manage to support a family for a year on that in the UK (not exactly low cost of living). Im totally perplexed by this. Confused

Puzzledandpissedoff · 08/04/2018 19:26

To be fair, OP said it was FIL's care in his last weeks - as well as legal fees - which chewed up the money, rather than just a funeral

Then again, I wonder if there's any proof that this care was actually paid for and what it cost, or whether she's just expected to hand over the cash without question

HollowTalk · 08/04/2018 19:28

End it now with this abusive man. He is taking whatever he can from you and calls you disgusting names at the same time.

Notallthat · 08/04/2018 19:46

Oh dear OP, he's going to bleed you dry and leave you to live the life of a king on your savings that hes stashed away. Please get hold of all your financial info and see a solicitor. Contact the banks for statements and your mortgage company for details. It may be much worse than you think.

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