Potential mortgage fraud

[RBush22]

Hi all

My partner took out a mortgage of 700k almost 2 years ago and it was approved. However, things are getting bitter between us and I know that to get the mortgage approved, he provided evidence of income that was not genuine.

Can I go to the bank now and ask them to look into it? I don't think I can progress with the relationship with this doubt in my mind that he committed fraud.

The mortgage , possible fraud, gambling, etc sadly make no odds to any of this. They are literally ' not your business' as in - you have no legal tie to any of this because he is a partner and not a husband.

This is good in one way because you are equally unattached to his debts but equally have no rights to anything of his.

You have only one financial right in all of this and that is to child maintenance. that's it .. no nursery fees, no rent, (if the tenancy is in his name then you need to look for somewhere else and he will owe rent to the LL - if it's joint then you both owe the LL .. but at no point does he owe you rent)

You need to focus on your new life going forward. Work out how much you will have coming in with your own wages and the rent you will need to pay. If necessary look at Universal Credit in a benefits calculator. Expect him to fuck around with maintenance and prepare for that to be a long and often fruitless fight..

This is where your focus needs to be..
It's really tough OP this is why people are insane to say it's just a bit of paper...

I think you’re focusing on the wrong thing here. My nan used to say ‘women should never have more kids than they can afford on their own’ and how right she was. Ultimately, you can’t force him to pay for his kids other than claiming child support. With all due respect, your priorities are wrong here but you’re not listening tho. You seem hellbent on revenge and doing it spitefully.

I think there are enough red flags to provide bunting for a few small towns.

"I wouldn't dream of banning all contact with their dad but surely a thief, gambler and/or fraudster can't get 50:50 in childcare. What sort of influence is that on the children?"

Haven't finished reading the full thread yet, but I just wanted to highlight, my DB is all those things. Gets arrested and ended up in a cell once a year for DV with various different "girlfriends"

He has FULL custody of his children and whilst SS are involved they believe he is meeting the children's basic needs.

That sounds weird why would you want to grass him up? Just leave him if you don't like it why drop him in it,

@RBush22

I can hear the bitterness and upset in your voice. I've been there!

As others have said, the courts are not interested in the ins and outs unless the children’s father is abusive to them and they are unsafe.

You need to be objective and let the personal digging drop. Hard, I know, I've been there remember. I could write a book about my manipulative, adulterous, selfish and controlling ExH

For instance, just a flavour..

I moved away from my controlling ExH because he was so controlling - and when discussing contact arrangements and travel for our DC’s was told by my barrister - ‘you have made life difficult for yourself!’….

My ex left our young DC’s frequently, ( to go clubbing) his very elderly and frail 89 year old DM having them overnight. When I was scared about the ‘what if’s’, my solicitor advised that he was a reasonable adult, who could make reasonable decisions about the care of his children. If I had concerns about safety, I had to train the eldest DC ( aged 5) to make an emergency call.

My ex threatened to reduce to part time to reduce his maintenance.

He stopped paying all together and had outstanding CM debts of thousands. CM officer offered him a repayment plan of £5.00 a week….
When she called me to say he'd refused the payment as he couldn't afford it and she needed to speak to him again, but hadn't been able to contact him…I was able to inform her, that no, she wouldn't be able to get hold of him, as he was skiing in the Alps for three weeks…. !!!

He put our family home up for sale, first I knew was returning home to the ‘for sale board’…

He disappeared with our children, in a work vehicle ( let me say) and sneaked back in front of his boss…we were standing there…i could have had him sacked…but chose not to point it out. I thought I would end up with no maintenance…

He claimed in the financial settlement a car I'd saved to buy, after we separated. I said I wasn't paying him for half of my car….to be told by the judge ‘what do you expect him to do, he can't manage without that money, he can expect a standard of living after divorce too…not just you…’

My ExH is an adulterer. I learnt that no one in the system is interested. It honestly doesn't matter how anyone behaves ( abuse excepted). The legal system has rules.

Be objective, look after you, plan ahead, cut your living expenses and unfortunately you will probably need to claim support.

OP, you need proper legal advice as to how to cut ties asap. Not us.

You seem to know what you want to do. Speak to a professional who can walk with you to help you clear off. If he did commit fraud then prison beckons.

If you want to potentially lose your biggest asset you're likely to be awarded in the divorce then go ahead. Cutting off your nose just to spite your face, really.

You need to move on from being so bitter.

A judge will likely see you as being vindictive and fully aware of any fraud at the time, which arguably says as much about your integrity and character as it does him. Just remember that.

I'm struggling to see what the advantage would be to you here.

Unmarried, more than one child. Partner is a selfish waste of space.
No matter what he had or has you are unlikely to ever see a penny from this man.
You’ve been foolish and your dramatic mortgage fraud drip feed shows a serious lack of judgement.
What family support do you have?

Being a fraudulent person will not stop him from having access to his children. I don’t see how reporting him will help you at all. If anything it will make your life more difficult. I would keep it in my back pocket and use it against him when he tries to make demands from you.

What he did with the £700 thousand/any other money IS relevant. If full disclosure is ordered by a court, then if he's secreted money away somewhere then it should be declared, ergo it's relevant. If they're his kids and he has money secreted somewhere - which is quite likely, as he doesn't sound the most open and transparent of people - then that money should be taken into consideration. It is therefore relevant, as would be any other assets. He might be saying he hasn't got a brass farthing, but that doesn't mean he's telling the truth.

If you knew of it at the time and are a party to the mortgage, you are also guilty of fraud. I’d think long and hard about whether you want to open that can of worms.

If you are not on the mortgage then you are not allowed to speak to the lender. You’d need to report your concerns to the Police - National Crime Agency I think.

That’s rather serious step to clarify ‘whether you can progress in the relationship’ as he would obviously likely be in prison and have no interest in you being in his life.

Just end it and leave if you have doubts.

Get copies of all his bank statements, investments, pension entitlements before you leave. If he'll lie to the bank he'll lie to you and your solicitor.

😱

the judge can assess his character in full with all evidence and decide how often he can see his children.

Er, that’s not going to happen.

I get your frustration but the retribution that you seek won’t end up with a judge restricting contact.

If he has a property valued at over a million then he probably too out a loan secured against it, much more straightforward than mortgage fraud which would involve dodgy solicitors.

I’m not at all convinced that this story is genuine.
The Bank or Building Society don’t just hand over a cheque for £700,000 which you spend on a house or gamble it away.
Our mortgage money was paid to our solicitor who in turn passed it on to the seller, (in our case the builder). There would be no chance of fraud.

Like some PP, I am not sure why you would want to open a can of worms that also paints you in a pretty bad light. You were fine with the fraud while it went your way (or at the very least that is what it will look like) and now you want the moral high ground on this? Eh.

You can't get the mortgage money - it goes to the person you buy the house off. They don't go 'heres £700k to buy a house' the load is secured against the property

So he's actually just taken a secured loan on a flat he owns?

If you make a claim of fraud are you planning on saying you have only just noticed? If there were suspicions by you at the time that could be proven could it be claimed you’re part of the fraud? I’d say be cautious - if there were no conditions on the remortgage (to use on certain factions ie purely for Reno works) then there’s no issue there. Also the solicitors are bound by SRA requirements which include full due diligence and AML so if it’s fraud then husbands law firm will be fined and action taken. But this still won’t necessarily affect his access to the children.

Exactly this.

So you was ok to go along with it for 2 years but now things are turning bitter between you both you want to grass him up? Lovely

OP he has left you to pick up all expenses and you’re assuming he’s gambled all his money away. Do you know for sure he doesn’t have money squirrelled away? It sounds like he may have just lost interest in contributing.