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Relationships

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Original poster

Joint account discovery

48 replies

Dakini357 · 30/12/2021 04:51

My husband has a buy to let mortgage (in his own name) but the mortgage payments come out of our joint account. I recently found a letter from the mortgage company which showed that my husband had changed the address for this mortgage from our home to another unknown address. Then back again to our home address a few weeks later. Having viewed the mortgage payments these have been steadily increasing but only by small amounts, which is odd for an interest only mortgage. So i have checked the latest statement and the mortgage has been increased by 5k. Is it illegal to increase a mortgage without your wifes consent when the mortgage payments come from our joint account?

OP posts:

Treacletoots · 30/12/2021 04:55

Depends if you're on the mortgage.

If not then he can do whatever he wants. The problem with joint accounts are that you have very little control over what your partner actually does, I've found this out the hard way in the past

The question is, why has he borrowed the money..

bouncydog · 30/12/2021 04:55

I don’t believe it is as the mortgage is in your husbands sole name. Presumably the joint account is either one to sign? There would only be an issue if it was both to sign on the joint account where the payments are taken from and he had forged your signature. I’d be asking questions of your husband - he could have increased the mortgage to pay or repairs/upgrading.

fallfallfall · 30/12/2021 05:12

Increased the payments to pay it off faster? You can usually do 10% per year. He renewed the mortgage and it’s a higher rate?
You’ll need to ask him.
And either one of you can use money in a joint account..,as much as either one wants.

Unreasonabubble · 30/12/2021 05:13

Technically he has done nothing wrong.

Morally and to your marriage, well that is a completely different set of circumstances.

You need to have this out with him and make sure you are also on the BTL mortgage.

fallfallfall · 30/12/2021 05:19

If his pay goes into the joint, if the btl was his prior to marriage if it is part of his family inheritance HE may not want to share this with the OP. Marriages do fail.

Sparklfairy · 30/12/2021 05:29

It's the address change that I'm confused about. Like the mortgage co were going to send him a letter (presumably with details of the changes) and he wanted to make sure you didn't see it?

Either way, it's fucking sneaky. Shouldn't married couples talk about this stuff? I know it's 'his' but I mean just in conversation, not discuss for your agreement.

Unreasonabubble · 30/12/2021 05:31

@fallfallfall - If this is/was the case, then how can it be "fair" if he is paying expenses towards the BTL from the joint account?

This needs to be looked into.

Original poster

Dakini357 · 30/12/2021 05:39

Yes we are both paying our salaries into the joint account. We have also spent circa 10k (from the joint account in 2019 doing a major refurb).

OP posts:

Billybagpuss · 30/12/2021 05:39

The mortgage is in his own name therefore your signature not required to increase it. Joint accounts are joint and several liability which means you are both allowed to charge things to it without the others signature but you are both equally liable for any debt accrued.

The bigger issues are what did he use the 5k for. What is the other address all about and why hasn’t he discussed anything with you.

baytreelane · 30/12/2021 05:43

An unknown address?
And an unknown 5k borrowing!
He has something he's hiding 🤔

KloppsTeeth · 30/12/2021 06:10

I’d be applying for a copy of the deeds of the unknown address. It’s about £3 online and you can see who owns it, or who has a mortgage on it.
This change of address and the £5k that you don’t know about it suspicious. It isn’t illegal, but in a relationship you’d expect things like this to crop up.
Might be a good suspicious, ie you might be about to go on a surprise holiday or he is up to something dodgy either by himself or with someone.

FabulousMrFifty · 30/12/2021 07:41

If the mortgage is in his name he can do whatever he likes with it.

Why don’t you ask him the reason?

rrhuth · 30/12/2021 07:44

Legally he can do as he likes if it is in his name.

In terms of your marriage - this sounds non-ideal.

Either do some more digging or ask directly. Personally I wouldn't be able to ignore!

sweetbellyhigh · 30/12/2021 07:56

Horrible discovery for you.

What is the address he used temporarily? Is it one known to you?

Oblomov21 · 30/12/2021 07:59

You know this is bad. Whichever way you look at it.

Original poster

Dakini357 · 30/12/2021 08:06

Yes, i strongly suspect this is just the tip of the iceberg and im not married to the person i thought i was.

OP posts:

HairyFanjoBanjo · 30/12/2021 08:13

The address changes are presumably to avoid a letter coming to your hone RE the increase in mortgage borrowing. Is the address somewhere a friend / relative (or affair partner) could live?

If the BTL is only in his name, why are you paying it from the joint account? Was this previously agreed? And why is it only in his name if you’re married?

How long have you been married? Are their kids?

He sounds sneaky.

HairyFanjoBanjo · 30/12/2021 08:13

home *there

(caffeine time!)

Michellebops · 30/12/2021 08:15

Is the earnings from the BTL ie the rent coming in to your joint account? You only mention the outgoing mortgage payments.

He is clearly hiding something and doesn't want you to know about it.

IncessantNameChanger · 30/12/2021 08:18

Weird. Is it a local address it was changed too?

I wouldn't have thought it was easy to move the address just for a few weeks?

MrsDamonSalvatore · 30/12/2021 08:24

Stop paying your salary into the account and draw out your share of the money in it, so he can’t use your money to fund his private purchase. Then have the discussion with him about what he’s been doing. You can always pay it back in if there’s a legitimate reason for him doing this without telling you ( I doubt it) but at least he won’t have been able to use your money to feather his own nest.

Original poster

Dakini357 · 30/12/2021 08:25

I have also found a valentines card (not addressed to wife but to someone special) and a site called adult works on his computer history. Its not a site that youd be pleased to find your husband had visited…

OP posts:

YourenutsmiLord · 30/12/2021 08:28

You need a solicitor's advice (pay from the joint account)

baytreelane · 30/12/2021 08:41

Oh Christ, op. You only need to seared that website on this site to know what kind of man you're married to.
I would keep digging and gather evidence. You're definitely married to someone who is leading a double life and is engaging in extra martial affairs. I would also book an STI check too.
So sorry

Oblomov21 · 30/12/2021 08:50

Oh dear. So sorry OP.

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