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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

Money situation with dp - please help me see the wood for the trees as money issues are triggering for me

154 replies

HouseofBronte · 11/07/2019 08:43

have name changed for this

many years back, post my divorce, I had a relationship with a man who turned out to be a con artist. Luckily for me, I spotted it fairly quickly (6 months) but it was a huge huge knock to my self confidence that it took me so long to figure it out. Just for reference, I am a high earning individual and I believe I was targeted because of that.

since then I have been very cautious about the men I go out with and didn't have a relationship for years. I then carefully dipped my toe back in and had a few short relationships with some lovely men and my confidence slowly built up.

roll forward more years till now. my now Dp lives with me and we've been seeing each other for a while. He has always contributed half of everything (despite me earning more) and paid his way. I've never doubted his feelings for me.

Out of the blue, he got fired. This was devastating for him as he's been working since he was 16 (so more than 30 years) and he was totally shocked. He has been trying to find a new job but the market is dreadful. This hit his self confidence and he became depressed. He went to the GP for treatment and slowly but surely has pulled himself out of it.

In the meantime, I have been paying for everything. He has an exw, who I have met, who looks after their dcs. She has a mortgage on a property (owned solely by her) but can only afford this mortgage because dp was paying her child and spousal maintenance. With no job, he hasn't been able to pay anything so she's had to go back to the mortgage provider who has now threatened to take possession if she can't make the payments and in the meantime, hiked up the interest (helpful).

She has met with me and dp and said all she need is X per month (which is half what dp normally pays) while he isn't working and she can make ends meet and not lose the house. I can easily afford X.

In the meantime, dp and i have spoken about running a local business that is up for sale (both of us have been interested in it for a while). For the first year, dp probably wouldn't be able to make much of a living out of it (though it would be marginally profitable) but after that, he would easily make enough to pay his ex the X amount.

so the bottom line is would I be a mug to enable his exw to have the X in the interim? I have no issue other than being worried that I'm being done over given my past history. My other slight concern is that while this is going on I've felt that dp has been almost love bombing me - like being overly loving/talking about marriage etc. Half of me thinks how wonderful but the other half worries that he's being this way just because i am now subsidising his life so it continues (sorry if that sounds brutal). I am just so scarred by this con artist.

(dp and I not married, relationship in a good ish space though obviously the depression/job situation has been putting pressure on it)

OP posts:
OhioOhioOhio · 11/07/2019 11:58

Omg. Do not support him or his ex. At all.

zippey · 11/07/2019 11:58

Can the ex wife downsize, or sell up and rent?

Can your partner find a job, any job - eg eBay, cleaning, catering etc

BullBullBull · 11/07/2019 12:03

Why was he paying half when you earn more? Other way around and there’d be shouts of abuse and to get married to protect yourself. Why is it different for this man?

Whosorrynow · 11/07/2019 12:03

I think the love bombing has triggered your 'spidey senses'

Penguincity · 11/07/2019 12:04

No chance would I support the ex or the children, they have 2 parents for that. He can get a job any job will do, as for marriage not now and if in future get the legalities sorted

MauritiusDreaming · 11/07/2019 12:08

NO WAY- Maybe a bit harsh but just echoing other posters!

It may be different if you were married/had joint children but who's to say you won't be stuck paying maintenance for children who are no blood relation to you for....years!?

Given your previous experience, you can see how people can turn nasty very quickly, use that experience wisely!

You are totally and utterly getting taken advantage of again, to get to your position in finance and what sounds like a very healthy income, you must have worked bloody hard. Do not, I repeat do not throw it all away!
You seem so kind hearted, please do not be taken in by this ridiculous plan because you will be stuck

SeaToSki · 11/07/2019 12:15

Why doesnt he or exW have any savings to cover this? Can either of them release money from their pensions early? Why isnt DP getting a job doing anything to bring in some money? Why doesnt he look after the dc in the day and cut down the childcare costs, would that free up some money towards the mortgage? It also sounds v strange that she cant negotiate some kind of payment holiday on the mortgage, most banks are very keen to work around these situations and not have a defaulter to deal with

missyjudy · 11/07/2019 12:20

This is a tricky one for you because you can afford it and you are a nice person but if it was me, I wouldn’t do it. Its her and his responsibility to sort out the kids and the house. You are getting yourself involved in a financial obligation that is of zero benefit to you. I’d suggest you could say you’ll pay money if she signs over a share of the property when it’s sold? That money is your asset. They aren’t your children and it’s not your property. Where’s the collateral for that money? Will she sign a loan agreement? But even then if she defaults what will you do? Pay to drag her through court? You are already supporting him and that’s more than enough. He could be working as a pizza delivery driver or stocking shelves in Tesco overnight. Why isn’t he doing that to pay for his kids?

Whosorrynow · 11/07/2019 12:23

I'm saying a two-pronged attack here a sort of pincer move, your income is co-opted to keep his ex-wife in the manner to which she has become accustomed, so his ex-wife is kind of a money pit

At the same time he's eyeing up another money pit in the form of a business, and of course he has already established that he has depression so he could potentially be a money pit

I see 3 gaping black holes into which your money will flow....

Whosorrynow · 11/07/2019 12:24

So I started the post seeing 2 pronged attack and as I was writing a third became apparent, this is a trident missile!
(Apologies for being over dramatic)

Shoxfordian · 11/07/2019 12:25

It sounds harsh but his ex isn't your problem

Ghostontoast · 11/07/2019 12:26

The trouble is if you start paying towards her mortgage (and I would want to see all the correspondence from the mortgage company where they put the interest rates up, as that is egging the cake imo), you don’t know if he will ever even bother to look for a job let alone find one so have no idea how long you will be paying - it’s a big unknown.

He may say his Aunty Elsie can’t find the money to pay for Uncle Jim’s funeral, his sister can’t find the money to pay the vet for Fido’s operation, but you can afford it etc etc.

Also the business - again you would be funding it all.

You could be “the bank of rich girlfriend” if you are not careful.

MauritiusDreaming · 11/07/2019 12:27

Oh gosh, also second everything @SeaToSki mentions! Please consider his/her points too

Ghostontoast · 11/07/2019 12:27

I’m not surprised he wants to get married!

LazyLizzy · 11/07/2019 12:30

Don't pay her. It will give him reason not to bother looking for a job.
This could go on for years.

Also, don't marry him.

Zaphodsotherhead · 11/07/2019 12:33

I really know nothing about finance at all, but is there any way that you could get an interest in the house, if you are paying part of the mortgage, and therefore get the money back if/when the house is sold? That way you could think of any money given to his XW as a kind of investment?

I don't think there's anything particularly nefarious afoot, but I do think that your DP and his XW must both be spectacularly bad with money to have ended up in this situation. And your DP needs to be less 'precious' about what work he does and go and do a few shifts in a local supermarket or driving an Uber!

BillMasen · 11/07/2019 12:35

This thread is ridiculous and would be very different if the sexes were reversed

Op if you trust your partner and see yourself as a long term team, help him out. Overcome what’s hopefully a short term issue together. If you believe he’d do the same for you.

If not, then you’re no partnership. Fine if that’s how you see it

WorkingItOutAsIGo · 11/07/2019 12:36

He absolutely needs to get a job in Tesco or McDonald’s or anything. Not taking responsibility is not sexy.

EileenAlanna · 11/07/2019 12:40

How long were you together before he was fired, is this how it's been for about half the time you've been together or less? He was there less than 2 years so what is his work history prior to that? How long have he & exw been divorced & during that time where did he live before moving in with you, and how long after you got together did he move in?
I can't see how he would've been in a position to buy a business even before he was fired as he appears to have had no savings or assets of any kind. Only your money would be buying the business & subsidising it in its start up period.
I'd not only not lend his ex money or buy a business he was associated with, I'd end the relationship. And I wouldn't be guilt tripped about his "depression" either.
If push comes to shove he can move into his ex's home as a lodger, claim benefits & pay her rent which will help her with the mortgage payments & childcare costs.
Just tell him things aren't working out between you & you need to step back, he needs to move out/on & perhaps you can both reassess where you want to go with a relationship when you both have clearer heads.

cupoftea84 · 11/07/2019 12:40

Is there a way you could agree to pay for a set period of time say 6 months and you gain the appropriate % of equity in her house? She can later buy it back if she wants. If she ever sells you get the % not the figure you gave her so she has a motivation to buy you out ASAP.

AnneLovesGilbert · 11/07/2019 12:42

Almost no one agrees with you BillMasen, that should tell you something. Maybe you’d like to pay the ex’s mortgage?

BillMasen · 11/07/2019 12:44

Anne i’d Help out my partner with their financial commitments if they lost their job and needed help. You wouldn’t?

FantasticButtocks · 11/07/2019 12:45

How about saying to him - 'I will continue to support you, paying for all our living costs etc as I have been doing, but YOU really need to find your own solution for your dcs and exW. So if you need to take a low paid job in the meantime and hand all the money you earn over to you family and exW I will enable that by supporting you and I won't ask for a contribution to our household.' Then ask him if that sounds fair. If his love bombing then stops...that will tell you something.

If he allows a situation where his girlfriend is supporting him, his entire family and his exW then it is not going to make him feel good about himself and the depression may return.

BillMasen · 11/07/2019 12:53

Ffs everyone just listen to what you’re suggesting.

That a woman, bringing up kids and relying on the money from her ex, should accept being told that as he’s lost his job she should hand over a share of her house in return for keeping those payments in place.

There would be uproar if she’d posted

Indigo2019 · 11/07/2019 12:59

I don’t agree it would be different if the sexes were reversed eg a man is asked to pay the mortgage for his partner’s ex while she is not working and is depressed? I can’t see any man being advised to do that.