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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

His mortgage application with OW landed on my doormat!

236 replies

Theonlywayisup1 · 12/05/2023 23:58

I was with my ex fiancé for 10 years, long story short 12 weeks before our wedding he went cold and distant. He swore there was no one else…of course he was shagging someone from work! But he never told me, kept her a secret from everyone, kept messaging me daily saying how he wanted to sort things out, I’m his soulmate blah blah. A month ago I found out he’d been with her since before we separated, has been with her for over a year, all whilst telling me the most elaborate network of lies.

Today a letter addressed to him & her landed on my doormat. I opened it to find details of the house they have bought and all mortgage details! We have been separated for over a year, but up until just a few weeks back he was messaging me confessing his love. I changed my phone number as I couldn’t deal with his words and actions not matching, now I know why! I have started to see someone new, and he can’t understand why seeing this has upset me. Should it bother me that he’s lived this double life and seems to have committed to her so quickly? I’m confused if I’m being unreasonable for this upsetting me?

OP posts:
Londontoderby · 13/05/2023 05:55

Contact the mortgage company and tell them!

BadNomad · 13/05/2023 06:14

Stick it through their door. Maybe include a note telling him to stop contacting you.

Sugarfree23 · 13/05/2023 06:36

Return to Sender.
I think he's trying to play some sort of mind game.

FabFitFifties · 13/05/2023 06:41

Ring lender and state you are not in contact and neither of them live at your address. The real problem is your new BF is the cause of you posting as he is making you question your own feelings

SiouxsieSiouxStiletto · 13/05/2023 06:49

WeAreTheHeroes · 13/05/2023 05:48

And check the Land Registry title register for your house, if you own it, to be sure everything is in order. And credit reference agencies. If you lived together you should file a financial dissociation.

Please do this OP if you don't do anything else.

It's scarily easy to transfer ownership of a home to your name.

Also agree with everyone saying "return to sender, not known at this address".

Didicat · 13/05/2023 06:50

I would keep an eye on your credit score, if he’s using your address fraudulently what else is he using it for……?

Pegsandsunshine · 13/05/2023 06:50

BadNomad · 13/05/2023 06:14

Stick it through their door. Maybe include a note telling him to stop contacting you.

Eeeee, OP changed her number? You'd think that is a message clear enough not to contact her? Why would she want to go to his place (even if she knows the address?) to be a postman?

mummabubs · 13/05/2023 06:54

Pixiedust1234 · 13/05/2023 00:17

I would contact the mortgage company asking why you have somebody else's documents, it doesn't matter that you knew him but he moved out over a year ago! It makes me wonder if he's used your house as collateral for his. You need to check there's no fraudulent activity regarding your house/mortgage asap.

This!

BadNomad · 13/05/2023 06:56

Pegsandsunshine · 13/05/2023 06:50

Eeeee, OP changed her number? You'd think that is a message clear enough not to contact her? Why would she want to go to his place (even if she knows the address?) to be a postman?

So the woman he cheated with and now owns a house with will know he's been trying to cheat on her. Karma?

Clarinet1 · 13/05/2023 06:58

I agree with PP on the following points-
Return to sender - I would mark it that this couple has never lived at this address because that is true and, if they are trying to get a mortgage based on false information, that is attempted fraud (does the OW have a bad credit record?)
Also, check your own status on your home, credit etc and get it corrected if necessary - a bad situation will only get worse if you let this man drag you into trouble.
Think carefully about the new man’s response to your concerns - sorry, but who wants to be with someone who doesn’t have their back?
Hope you feel better soon.

Toooldtoworry · 13/05/2023 07:03

It's quite possible (if he lived with you previously) that human error occurred and someone clicked the button for his current address as a previous. You do need to RTS though so that they know this and can correct their systems as this has led to a data breach.

Ofcourseshecan · 13/05/2023 07:04

SiouxsieSiouxStiletto · 13/05/2023 06:49

Please do this OP if you don't do anything else.

It's scarily easy to transfer ownership of a home to your name.

Also agree with everyone saying "return to sender, not known at this address".

I agree this is important. Also as another PP says, check your credit rating etc. And that he’s not registered at your address to vote. I would also contact Citizens Advice Bureau to check if there’s anything else you need to do. Your ex sounds vile, and it’s too easy to use someone else’s address harmfully.

Buildingthefuture · 13/05/2023 07:04

What a total loser he is! You are well rid. I agree that you need to contact the mortgage company and check the land registry (it’s really easy and costs £3.50 approx) to make sure the lying toad hasn’t done anything with your house.
I would also be sending screenshots of his messages to the OW. But I’m harsh like that!!!!

Batalax · 13/05/2023 07:05

I do hope your address hasn’t been used for fraud. Worrying!

Gettingbysomehow · 13/05/2023 07:07

I'd be burning them while dancing round the fire like a mad old witch.

Toooldtoworry · 13/05/2023 07:08

You can register to get notifications from Land Registry if anything happens to the ownership/title on your home if you own it.

ArrrMeHearties · 13/05/2023 07:11

I'd want to know why he used your address if he now does not stay there. Sound like your well rid of him he's a snakey arse of a man

lottiegarbanzo · 13/05/2023 07:12

You don't need other people's approval for your feelings. They do not need to understand your feelings, in order to believe that they are real and important to you and to respond supportively, accordingly. Those seem to be the important themes here.

Don't seek others' approval of your own feelings, they're yours. And if your new BF can't understand that sometimes you will feel things that are very real and important but that he wouldn't feel in the same situation, or cannot imagine feeling as he lacks adequate life experience, imagination or empathy, then he's quite a limited person and lacks awareness of his own limitations. The important thing is how he reacts. Does he listen and support you? Or does he dismiss feelings that he doesn't understand?

On the one hand this habit of people only accepting feelings and reactions in others that they understand themselves is quite common. On the other it demonstrates low emotional intelligence, narrow-mindedness and rigidity. An unwillingness to learn and grow. Not good characteristics in a partner.

It also raises the important question 'who made him the judge of what is important in your relationship?'. Why is that ultimate arbiter not you? Or something shared, negotiated and made together, as it is between mature adults?

And do you want to live with that power imbalance forever? Placing power over your feelings in the hands of someone with low emotional intelligence, insight, empathy or compassion is not a good idea.

It's all about how he responds.

Obviously new BF has feelings too and seeing his new GF getting upset about something her ex has done, as if the ex is still the person she responds to most, won't be easy. I'm sure you'll have explained it's about the pain he caused you, not any residual desire to get back together. That pain and damage is your own experience and an important one, quite separate from the relationship that preceded it.

JaneDSE9 · 13/05/2023 07:13

Sorry to hear this but sign up with Claearscore to check if any credit has been applied for in your name and also contact the credit bureaus Experian, TU and Equifax to notify them that you are no longer financially associated with this person and from what date. Then make sure you are on the voters roll at your address and your ex isn't, you can do this with your local council. Good luck x

Sometimeswinning · 13/05/2023 07:18

Gettingbysomehow · 13/05/2023 07:07

I'd be burning them while dancing round the fire like a mad old witch.

This to me seems the obvious response!

dunBle · 13/05/2023 07:21

Didicat · 13/05/2023 06:50

I would keep an eye on your credit score, if he’s using your address fraudulently what else is he using it for……?

Sad Care GIF by Pixel Bandits

It could just be that the lazy arse hasn't got around to changing the address on his bank/building society account, and it's not been obvious to you before because he's opted out of paper statements. However I agree that for peace of mind that he hasn't done something nefarious, checking your credit details and the land registry for the house title is a good idea. I'm not sure if the lender will speak to you if your name isn't on the application, but it might be an idea to return the forms to them with a covering letter explaining that he no longer lives at your address, and requesting that they correct the technical/process error that has meant this credit application has become associated with your address, and to ensure that said error has not propagated through to the various credit referencing bodies. If that means the application gets rejected, well [insert Windsor Davies gif here]

SecretSwirrel · 13/05/2023 07:27

OP he’s still using your address! You need to make sure he’s off the electoral roll/council tax.

Also check he hasn’t taken out any other credit at your address - I’m not sure how to go about this - maybe other posters have some advice about this?

Mikimoto · 13/05/2023 07:31

If the letter didn't arrive by registered mail, it "might not have been delivered", so just dump it, and do the checks others have suggested.

Either that, or use the reference number to contact the mortgage people and say "actually, I have another 100k debt I forgot to tell you about, so please cancel the mortgage" :o)

Needapadlockonmyfridge · 13/05/2023 07:32

I would ring the mortgage company.

You opened the post because, as PP said, living on your own you didn't check the name in it.

Sounds like possible mortgage fraud

What an utter knob he is.

whiteroseredrose · 13/05/2023 07:32

Definitely phone and write to the mortgage company to make it clear that he does not live with you any more. And check the land registry and your credit files.