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Relationships

Partner becoming lazy and wont sort out credit to get a mortgage.

36 replies

Mum230609 · 27/06/2022 10:48

Hi, to all mums. I have been wanting to join mums net and been reading topics which i can relate to.. now i wanted to just vent in here. As my partner dont know how to talk.. im just really stressed out and exhausted about everything.

me and my partner have two boys aged 13 and 8, been together for atleast 14 yrs. since were 19 yrs old.
our relationship really didnt grow i think we just kind of stayed because i got pregnant at the age of 19 and he decided to take responsibility and help me through it. (Which was good)
but all through that years i have felt like i have always been the person who wants us to be better. He used drugs back in 2019 and almost became mentally ill for a year, thankfully hes been sanctioned and never been out of hospiital until he was better.
he did got better, no relapse we got back together by the help of family, i talked to him what i wanted, i told him i wanted to get a house for us as renting is just too expensive. He got a job
getting paid well, but thats it, he became lazy again,. I have to ask him to help me out with the chores all the time, we both work full time and i have a business to run- i really just wanted him to help me with the school runs, clean, do the laundry and be more responsible. But now no effort whatsover- even though he can see how exhausted i am- even though i have asked
hiM nicely so many times- he just says okay but never do it? Whyyyy??? I feel bad for my kids they want to go out with their dad but hes too busy playing basketball on his days off with his mates and playing ipad games.

i am ready to get a mortgage next year and his credit is really bad he even have CCJ because he used so much of his credit cards and didnt paid them back.while he was using drugs.! So now i cant even apply a joint mortgage to get us a cheaper house. I can do it myself but having him in application would be much cheaper and hes not interested in sorting out his credit at all ( ihave offered help) but nothing. I am tired of asking him and talking to him which didnt work, he gets upset and all grumpy whenever i open this to him. what to i do? I feel like i just wanted him to leave, but i keep thinking about my boys, and how am i supposed to cope with everything.

i am an exhausted mum, with no one to talk
to, no one to vent, im tired of expecting him to be better for 14 yrs- i want him to be the father everyone wanted.. hes a good man but just lacking of all those things a father have to be..

OP posts:
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restedbutexhausted · 27/06/2022 17:19

Don't know if anyone has said this but I doubt he would even be able to fix his credit within one year if it's that bad. Took me ten years of hard work to go from zero to hero with credit 😞

Plus he just sounds like a dead weight - let him go and you'll be floating on air!

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bloodyunicorns · 27/06/2022 17:26

He's never going to turn into the man you want.

Dump him and live your best unencumbered by him.

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icelolly12 · 27/06/2022 17:29

Do NOT get a mortgage with this man. You will then be tied into a house with him and given the fact he's not long off drugs, is lazy and has not just a terrible credit rating but a CCJ... he's not exactly a stable or desirable partner.

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Newestname002 · 27/06/2022 19:18

@Mum230609

his family begged me to take him back for him to fully recover and for the sake of the kids, stupidly agreed and thought it will get better.

Let his family have him back when you are ready to move forward. Get your ducks in a row on the quiet in the meantime. When you are ready get CMS involved as he needs to be financially responsible for his children. 🌹

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Mahanii · 27/06/2022 19:29

You can get a mortgage on wage + top up benefits. I got one on my own!

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bellac11 · 27/06/2022 19:34

Thank god you didnt marry him and thank god you wont get a mortgage with him

I would seek some financial input/CAB advice/mortgage broker advice, he needs to leave the flat you're in now and you might be entitled to benefits without him living with you, but what you need to make sure of is that claiming benefits as part of your income wont scupper your mortgage application when it comes round

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Mum230609 · 28/06/2022 09:31

bellac11 · 27/06/2022 19:34

Thank god you didnt marry him and thank god you wont get a mortgage with him

I would seek some financial input/CAB advice/mortgage broker advice, he needs to leave the flat you're in now and you might be entitled to benefits without him living with you, but what you need to make sure of is that claiming benefits as part of your income wont scupper your mortgage application when it comes round

Thank you. Yes, i am actually worried about getting benefits as it may affect my mortgage application.

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Mum230609 · 28/06/2022 09:31

Mahanii · 27/06/2022 19:29

You can get a mortgage on wage + top up benefits. I got one on my own!

Did you?? Thats great news? Are you based in london?

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Mum230609 · 28/06/2022 09:32

Newestname002 · 27/06/2022 19:18

@Mum230609

his family begged me to take him back for him to fully recover and for the sake of the kids, stupidly agreed and thought it will get better.

Let his family have him back when you are ready to move forward. Get your ducks in a row on the quiet in the meantime. When you are ready get CMS involved as he needs to be financially responsible for his children. 🌹

Thanks for this. Will try my best to move forward.

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Mahanii · 28/06/2022 15:46

@Mum230609 no I'm not in London but it shouldn't make a difference where you are, lenders' rules are not location specific as far as I know. If a lender will accept benefits as part of your income and you pass the affordability checks then they will lend to you.

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layladomino · 28/06/2022 19:19

It's good that you're able to talk on here and to explore how you really feel. You said 'he's a good man' but he's a man who

  • took drugs, and did it by getting in to debt to the detriment of you, his family - it's still hurting you now
  • doesn't pull his weight at home. Let's you do all the work, all the thinking and planning, running you in to the ground while he plays computer games and plays with his friends (he sounds like a teenager)
  • is lazy
  • isn't working towards the joint future you'd hoped for
  • prioritises being with his friends over being with his children
So I'm not sure by what definition he's a 'good man'.

You deserve better. Your children deserve better.

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