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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

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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:

germsandcoffee · 30/12/2021 08:51

Sounds sneaky and calculated sorry

Yuledo · 30/12/2021 08:52

Oh dear. So sorry op.

DaisyStPatience · 30/12/2021 08:54

Dig carefully. Do not let him know you're onto him.

Bluntness100 · 30/12/2021 08:56

Well he’s cheating on you so that’s th bigger issue, have you even spoken to him about it?

And no of course it’s not illegal for him to increase his own mortgage, you’ve no say.

Unsure33 · 30/12/2021 09:07

It’s not easy to change a correspondence address without proof .

Sadly I think you have to do more digging

EvenMoreFuriousVexation · 30/12/2021 09:08

Hmm. Valentines cards and sex workers do NOT go together.

Also why buy a valentines card 2 months in advance?? I've never known anyone, let alone a man, buy more than a fortnight ahead for V Day.

Mummyoflittledragon · 30/12/2021 09:19

Is the mortgage income coming into the account? What about expenses on the rental?

CovidPassQuestion · 30/12/2021 09:20

The other address could be his accountant. Maybe he had to change the mortgage (at end of current terms) so it's more expensive?

ifeelabitsad · 30/12/2021 09:26

Oh dear that all sounds very dubious. I'd do a bit more digging before you confront him. Can you go to the address and check it out when he's possible there?

mylovelydd · 30/12/2021 09:32

Who is living in the BTL?

Flickflak · 30/12/2021 10:01

This reply has been withdrawn

Message from MNHQ: This post has been withdrawn

SummerWhisper · 30/12/2021 10:02

It could be for a 2nd property (like a studio flat, so small mortgage) that his mistress is living in. You must get evidence of your contributions to the mortgage and a copy of the new address and go to a solicitor for divorce advice.

DerAlteMann · 30/12/2021 10:11

Sounds like he's buying a second property on the quiet.

SureThatSoundsNotMadeUp · 30/12/2021 10:11

I dont think the mortgage is the worst of your problems

Why isn't the property in both named if you are married and both paying for it?

alwayswrighty · 30/12/2021 10:20

Mortgage Adviser here.

It is possible that the mortgage fixed rate was up and when he did a product transfer the fee for the mortgage was around the 5k mark. It would be on the high side but not completely out the ball park.

5k is not going to be enough of a deposit on a place for another property.

Obviously adultworks and a valentines card is something else entirely.

Longdistance · 30/12/2021 10:25

If it’s an unknown address to you, I’d request the deeds on them to see who owns it. My bet is it’s your dh and he rents it out. He’s definitely hiding something from you. Not good in a marriage.

liveforsummer · 30/12/2021 12:47

Agree the mortgage isn't the main issue here. As above it could possibly be explained however who's is the pusher address and as for the rest that an entirely different issue altogether

LSLLM · 30/12/2021 13:08

5k borrowing and sex workers? I disagree, this is linked and not separate issues

Original poster

Dakini357 · 30/12/2021 13:26

Thank you all for your perspectives, counsel and kind words

OP posts:

sweetbellyhigh · 31/12/2021 20:54

This reply has been deleted

Message withdrawn at poster's request.

TueWed · 31/12/2021 21:10

This reply has been deleted

Message deleted as it quotes a withdrawn post.

sweetbellyhigh · 31/12/2021 21:33

So sorry, yes I did. I have reported it now.

TueWed · 31/12/2021 22:18

@sweetbellyhigh

So sorry, yes I did. I have reported it now.

we've all been there!

Cheers

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