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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

I think I’m finally ready to leave - can you help me?

46 replies

Finallyready79 · 20/05/2025 01:09

I’ve changed my username, as combined with other posts it would definitely out me if someone I knew were to read this! I am a genuine user, I’ve been here for years (cancel the cheque, penis beaker, etc). This is likely to be a long post, I’ll try to shorten it where I can.

i have been married for 21 years. I have been unhappy for other half of that time, but felt trapped. I’ve posted on here before about my situation. My husband is emotionally abusive towards me. I don’t think he even realises he’s doing it if I’m truly honest. He’s just a bit of a twat. The first time I mentioned divorce, we had 2 young children and he promised me that he’d never try to take the kids from me. We worked through things, and for a while, things were better. We moved home, then a couple of years later had our 3rd child (not 100% planned, but one of those situations of, “if it happens it happens”).

Things slowly became worse. He’d already been nasty to me, had slowly cut off all my contact with my friends, etc but he just became awful. He’d yell at me constantly, calling me awful names. Tell me to fuck off and die. If we had an argument he would shut it down by making himself look big (he’s taller/bigger than me anyway but he’d puff his chest out, lean over into my personal space, that kind of thing) and yelling at me his opinion/say and that that was enough. The conversation was over. I could never, ever win an argument - but he’d turn that around by saying I always had to have the last word and saying “see” if I tried to actually hash the argument out. There were 2 occasions he was physical, both times he threw things at me to deliberately try to hurt me.

myself and our children always felt like we were walking on eggshells around him. This has been true for as long as I can remember, right til present day (although our middle son does call him out on it when he’s in a room with him). When he’s not there, the atmosphere is so much lighter and better - like dark clouds have cleared away revealing blue skies and sunshine.

10 years ago I finally got the confidence up to tell him it was over, I wanted a divorce and I moved out of the marital bed. He disagreed that we were unhappy. I get two different, local estate agents to value our house - I had found one I wanted to buy (a new build) and I needed to get the house on the market quickly to release the equity. He refused to accept the 2 quotes, despite being almost identical. He felt it should be considerably more and claimed he’d seen other houses like ours for this much, much higher value (he added on about 15% of the house’s actual value). He refused to sign the paperwork to put the house on the market. He spoke to a solicitor. All of a sudden, he decided that he wanted 50/50 residency for the kids. I knew for a fact he had no interest in the kids at all (although he probably told the solicitor how he was dad of the year and couldn’t stand to be apart) - he never, ever did anything with them, everything was always me. As a result they were all very close to me, and not to him (they were 9, 7 and 3 at the time). Our 7 year old also got his dad’s wrath - constantly being yelled at and I’d have to get in the middle so our son could hear someone stick up for him and he on his side (I suspected ASD & ADHD but was fighting a battle - it has since been confirmed). I also knew that he wanted to hurt me, and he knew that would do it. And finally knew his solicitor would have told him to push for 50/50 to avoid paying any maintenance. I couldn’t leave the kids with him 100% of the time when I couldn’t be there to protect them from his, so I dropped the subject and stayed. I took my rings off and stayed out of the bed.

fast forward 10 years to now. It’s been a long, miserable time for me. I realise I’ve wasted the best years of my life on him. I also realised he groomed me and took advantage of a trauma he knew I had to reel me in. I also suspect that his true interest/taste is 16-19 year old girls/women. This just makes me feel sick.

I need to leave him. My 19 and 17 year olds can obviously decide where they want to live. But my 13 year old, who has begged me to leave his dad so he never has to see him again is the one I worry about. They clash a lot. I suspect ADHD in this son too. I think that my husband is of the children should be seen and not heard brigade. He also believed in smacking as a punishment, I didn’t. Anyway - if I were to leave and my 13 year old said he wanted to live with me 100% of the time, is this likely to happen in other people’s experience? I can’t prove any of the emotional abuse over the years. It’s subtle enough to make me question if I’m just over reacting. Then it happens again and again and again. If my STBXH were awarded any sort of residency (I cannot see how he’d manage 50/50 as he has to work away a lot and it can be very random, often with short notice - and I don’t think that would be given if my son really doesn’t want it. But I do worry that they might go for EOW (weekend)) and my 13 year old really didn’t want to go - would I have to make him?

in terms of leaving I have an idea, but it annoyingly relies on my parents. Basically, I think I can get a mortgage for £150k based on my salary (if I factor in child maintenance it could be more, but conscious that would end in a few years so don’t want to use that in my calculations). The house I looked at 10 years ago is back on the market…. And vacant…. And just reduced in price to “offers above £300k”. Depending on which house appraisal I looked at online, we have anywhere between £250k - £300k equity. I would presume a 50/50 split. I want to ask my parents if they are in a position to, and if they wouldn’t mind, loaning me the difference as the deposit for the house. I would then repay them once the old house sold and my equity was released. The risk would be how long it could take to sell, and it could sell for less than we hope. This would mean I couldn’t afford to fully pay them back. So I would ask that they consider gifting me that difference in those circumstances, as an early inheritance amount (they’ve just done something like this for my sister - basically given her the difference between the mortgage amount and the house value as an early inheritance gift- which is what gave me the idea of even considering to ask them. I would need my name removing from the current mortgage (we are out of contract term). I have no reason to believe my husband wouldn’t be approved for the value of the mortgage left whilst it goes on the market. He refused to move out 10 years ago and as much as I always loved this house, it feels tainted now - I want to start afresh. I couldn’t afford to take the current mortgage on and pay him his share of the equity. And to increase the mortgage to pay him out would be higher than I could afford. I believe it would be the same the other way around, so we would have to sell - but I believe this would give us both the chance to buy somewhere new each.

Thanks for getting this far. I feel sick, scared, excited, daunted…. I don’t want to back out this time. I have booked a phone call with a local solicitor for this Wednesday to have my free consultation where hopefully I can get some guidance. We absolutely don’t have money to be arguing this with solicitors.

Does my plan about the house sound feasible? I may not be able to get this house (although it sort of feels like a sign - although I don’t think I can go over £300k so have to hope they’d accept that) but maybe another one using this plan. So much relies on my parents though - I’m terrified to ask them, of admitting I need help…. When I left home my mum told me to be sure because once I left there was no going back. If they aren’t in a position to help with the deposit, I do feel I need to get out whilst we try to sell. Being with him there all the time last time is what wore me down and got me to cave.

What do I need to be doing now? What are my next steps? When do I tell him I’m done for good? I want all my ducks firmly in a row and ready this time. I can’t afford to be paying rent and continuing to pay my current mortgage - I have to be sure that by leaving I won’t lose my share of the equity, even if I’m not paying anymore of the mortgage after that date. And I have to be sure he doesn’t decide to stop paying the mortgage just because my name is on there too and it would screw me over to lose the house like that (screw him over too but I could imagine him not caring).

Thank you and please be kind. There’s a lot I haven’t shared around the emotional abuse stuff, I’ve given a very top level line to illustrate the kind of environment we are in. I’m now going to bed as it’s gone 1am, I’m up in a few hours for work. I will try to check in during the day for any replies.

TLDR - I need to know how to get my ducks in a row and practical advice on how to actually leave! And will a 13 year old be forced to go to his dads if he doesn’t want to.

OP posts:
hellohellooo · 20/05/2025 01:34

He is truly vile

Just sending you a huge hand hold and I wish you all the best

Your poor kids
He is a bully 🤮🤮🤮

Finallyready79 · 20/05/2025 01:40

Thank you. He is a bully - he’s careful to hide it with others though.

OP posts:
StrawberryWater · 20/05/2025 02:34

Honestly in your situation I would just get out and leave. Take the kids and buy somewhere.

I think with a person like him you really shouldn't tell him you're leaving until the day you do (once you have everything lined up and a removal van for your stuff booked).

Give your son the life he deserves. He's 13 the courts will absolutely take into account his wishes.

Vplop · 20/05/2025 03:08

Definitely don’t tell him you’re leaving until you do. Wait until he’s out of the house for a while and then leave. That’s what I did.

It sounds like you are doing all the right things already and you’ve already booked a solicitor.

Also, try not to tell people unless they absolutely need to know, because he will try to find you and get to you through people you know mutually.

Tell the school the situation so he doesn’t ambush pick up and take the 13 year old from school.

If you can afford it, stay in a hotel for a while unless you have a friend to stay with that he doesn’t know.

Be prepared for him to get next level angry and try to find you.

good luck, let us know how you go.

RainbowLife · 20/05/2025 03:26

https://www.nationaldahelpline.org.uk/

I am struggling to believe (separated) H is/was abusive because not violent but I'm told emotional and financial abuse is abuse.

I'm so sorry you're going through this, I'd suggest getting some advice from these people. I go to the Susie Ptoject support group. I'm also trying to protect a kid with ADHD and ASD.

I really hope, at 13, your son is legally allowed to refuse contact. A friend had a mega long court battle to prevent contact for a much younger child and eventually won.

Good luck, wishing you and your children a happy and peaceful life.

Homepage - National Domestic Abuse Helpline

Are you experiencing domestic abuse? You are not alone. Find out how the National Domestic Abuse helpline can support you.

https://www.nationaldahelpline.org.uk

MikeRafone · 20/05/2025 03:30

At 13 your dad can choose where he spends his time, he cannot be force to have visitation or made to live 50/50 and a court would very much take what he wants into account

house market is slow and your ex will want to stumble the sale as long as possible. If you buy another house before completion of the divorce will that house be taken into account in the financial settlement?

GiantSaucepan · 20/05/2025 06:34

Get legal advice again Op, incase your new property is considered part of the financial settlement.
Speak to women's aid about the abuse - and whether it might be possible to get an occupation order to stay in the family home at least until you’re able to sell.
Wishing you, you deserve happiness and life after this will be so much better x

isthismylifenow · 20/05/2025 06:48

You seem to have your ducks in a row already OP, and I wish you all the best for a happier future all around.

It's nerve wrecking and daunting. And perhaps what you are asking deep down is approval that you are doing the right thing. You are. You have to do this OP. Not just for you but for your ds

Things might not work out exactly to your plan, but they will work out. Don't tell him what you have planned, tell him at the 12th hour that you are leaving. And tell him, do not negotiate with him.

Your life is going to be so much better going forward. 💐

Finallyready79 · 20/05/2025 07:24

Thank you all for replying to me. I will ask that question about buying a new property. I believe there is legally a way to ensure that doesn’t happen - but of course I’ll need to make sure it’s all done properly!

i think it’s getting the courage to ask my parents for help that I’m really struggling with. I guess I worry that either that won’t/can’t help me (they could definitely afford to, but I’m not sure how much of their money is tied up in stocks, their own property, and the house my sister is buying off them….) Maybe the money they get from her mortgage would be there to help (she’s lived in a home they own for years. She has wanted to buy it rather than renting for a long time, but couldn’t afford the mortgage to do that. My parents have put the rent money into an account that in their will (which they have shown us both) will be split between us. She’s expressed concern about what would happen if they ever needed care homes - would they be forced to sell the house she lives in to pay for it. So they’ve agreed to sell to her, I presume however much her mortgage is for will go into their bank account on completion, the rest of the value they are sorting with a solicitor to ensure it’s all done the right way). I guess I’m worried too they just won’t want to help. Or that if they do, I’ll be beholden to them and they’ll constantly remind me.

Any tips for that conversation?

Also, can anyone think of other questions to ask in my free 30 min consultation? I know they can’t give legal advice, but I’m hoping they can help get me in the right direction if that makes sense. I absolutely cannot afford a solicitor, so I need to try to minimise the need for one. If he fights me. I don’t think he can afford one long term either.

I’m going to be so tired at work today, think I’ve had about 3 hours sleep!

OP posts:
Bittenonce · 20/05/2025 08:01

Only you will know how best to approach your parents….
Be prepared to rent - for possibly quite a while. As you will likely have to leave, it may take quite a while to sell and release your equity. But the financial split is more than the house - don’t know what savings, pensions you both have? If his pension is well funded (and significantly more than yours) you may be entitled to more than you think. Try to get some clarity on this first - ideally before you see the solicitor, so they can advise on realistic options. And try not to worry about the kids - if he fights over custody (probably just out of spite) a court would never force them to be with a parent they didn’t want to be with.
But first thing I think is to get clarity on asset splits and when / how you can access funds so you can be ready for the conversations with parents and with him.

S0j0urn4r · 20/05/2025 09:27

You know your parents best. Tell them your situation. Be prepared for them to say no. If they've just helped your sister they may not have the funds. Do it today.
You need a plan B if they say no.
Def contact Womens Aid. They can guide you what to ask solicitor for your situation.
Tell him nothing until you're ready to leave.

Finallyready79 · 20/05/2025 13:24

Bittenonce · 20/05/2025 08:01

Only you will know how best to approach your parents….
Be prepared to rent - for possibly quite a while. As you will likely have to leave, it may take quite a while to sell and release your equity. But the financial split is more than the house - don’t know what savings, pensions you both have? If his pension is well funded (and significantly more than yours) you may be entitled to more than you think. Try to get some clarity on this first - ideally before you see the solicitor, so they can advise on realistic options. And try not to worry about the kids - if he fights over custody (probably just out of spite) a court would never force them to be with a parent they didn’t want to be with.
But first thing I think is to get clarity on asset splits and when / how you can access funds so you can be ready for the conversations with parents and with him.

He’s been really neglectful with his pension. He was with a company that paid a final salary pension, so never put anything himself into it. But he joined their business when he was mid 30’s and needed a full 30 years to actually get that payout! Anyway, things happened and he took a compromise agreement to leave around 4 years ago. They put it through as retirement because of his age. He got a £30k lump sum (which has been invested into a stocks and shares ISA which the financial advisor split 50/50 into my name and his). He then gets a pension payout of maybe a couple of hundred a month. He’s working full time in a different company now. I have no idea if/what he’s paying into a pension - I genuinely don’t know what he expected to live on past retirement, he’s done nothing to plan for the future and if I ever asked him or gave him advice (I’m actually a qualified accountant so I have a bit of an idea of what I’m doing) he told me I was nagging and it was all fine. He basically has nothing. And as the £15k is already in my name, I guess that will be my share. Flip side of that is he would be owed some (half?) of my pension. I’ve just checked my pension and at the minute it is work £90k (looking at it, it’s started to recover from Trump’s shenanigans, but not back to its highest point yet), so assuming his £30k was a quarter of his pension pot, it might be worth us agreeing to leave pensions out of it, and the £15k gets transferred back to his name. The values are going to be very similar I imagine if we were to end up splitting it.

We have no other savings at all. He does earn more than me, but not massively (he earns £40k, I’m on £35k). We do have some credit card debt. I’m currently trying to think of things I could sell to try to clear some of it in case my parents say yes and I’m in a position to buy rather than rent.

OP posts:
Finallyready79 · 20/05/2025 13:28

S0j0urn4r · 20/05/2025 09:27

You know your parents best. Tell them your situation. Be prepared for them to say no. If they've just helped your sister they may not have the funds. Do it today.
You need a plan B if they say no.
Def contact Womens Aid. They can guide you what to ask solicitor for your situation.
Tell him nothing until you're ready to leave.

Edited

The way they’ve helped her, they already own the house she lives in outright. They are selling it to her, but basically letting her have it for the amount she can afford (so say the house is worth £300k, and she and her husband can only get a mortgage for £200k, that’s what they are selling it to her for - and she’s essentially having £100k from her future inheritance now. Figures are made up as I don’t know the exact values, but either way, they aren’t having to actually use any cash etc - in fact, in the scenario I gave, they would be receiving £200k from the sale.

I hope that makes sense. I guess what I’m struggling with is admitting I need help. I’m a proud person and I hate asking for help. Especially financial.

OP posts:
S0j0urn4r · 20/05/2025 13:36

Finallyready79 · 20/05/2025 13:28

The way they’ve helped her, they already own the house she lives in outright. They are selling it to her, but basically letting her have it for the amount she can afford (so say the house is worth £300k, and she and her husband can only get a mortgage for £200k, that’s what they are selling it to her for - and she’s essentially having £100k from her future inheritance now. Figures are made up as I don’t know the exact values, but either way, they aren’t having to actually use any cash etc - in fact, in the scenario I gave, they would be receiving £200k from the sale.

I hope that makes sense. I guess what I’m struggling with is admitting I need help. I’m a proud person and I hate asking for help. Especially financial.

You need the help to leave. You'll have to bite the bullet.

Finallyready79 · 20/05/2025 13:58

Update on pension post - I’ve just found out that my pension pot is actually £156k (there was £66k that sits in a different bucket - not entirely sure why). Frustrates me that I’ve made sure I’m religiously putting money away for the future and he didn’t contribute a penny to his retirement fund (so would have had more disposable income than me all these years) and now he’s going to benefit from that when I had hoped that I would have enough money to go travelling when I retire.

OP posts:
FairyPoppins · 20/05/2025 14:03

Do you parents know how things are within your marriage?
I would check with your first solicitor appt how you would stand now, before asking your parents - you wouldn't want him taking half of that money as well as the pension you've built up.
I also agree with others - don't give him any warning when you leave, just go, and be somewhere where it won't be obvious to him where you've gone - maybe in the school holidays? So you and your youngest have some breathing space until the new school year starts

Finallyready79 · 20/05/2025 14:32

FairyPoppins · 20/05/2025 14:03

Do you parents know how things are within your marriage?
I would check with your first solicitor appt how you would stand now, before asking your parents - you wouldn't want him taking half of that money as well as the pension you've built up.
I also agree with others - don't give him any warning when you leave, just go, and be somewhere where it won't be obvious to him where you've gone - maybe in the school holidays? So you and your youngest have some breathing space until the new school year starts

I need to ask my parents as their answer will help me Jake the most of my free 30 mins - no point in asking them about that plan if they can’t help me. Whereas if they can, I ask the solicitor about how we do it to protect it - maybe my parents buy it and sell it back to me once the divorce is finalised for example. Just found the extra £66k is actually £103.7k, so total fund is £194k. His lump sum was the max tax free he could take, meaning his was worth £120k. So at 8 years younger than he was on cashing that in, and having always been on a lower salary than him, I’ve secured an extra £74k in my pension pot. Took some bloody finding though to see how much the second pot is worth and work out that it really is on top of the other amount I saw.

OP posts:
Bittenonce · 20/05/2025 16:39

I do hope your parents can help. Assuming he won’t move out and you won’t want to stay together until you can sell, I’m sure you’ve probably done the maths already but in the region if £250/ month child support and paying rent on a house big enough for you and the kids is not going to be easy…. And from his attitude to selling up and his perception of house value, selling could take some time unless he’s got a real need and motivation to do it. 🤞 for you

Finallyready79 · 21/05/2025 09:09

I spoke with my parents. Took me nearly an hour to get up the courage to say it all. They’ve said they’ll help in whatever way they can - but at the minute all their cash is tied up in long term investments. The only hope there might be is when my sisters mortgage sorted, but at the minute they don’t know how much that will be for. My dream of hoping maybe they would be able to invest in the house I really want (pretty low risk for them because if I didn’t pay them back, they were still getting a house that will likely increase in value) is fast disappearing as I don’t think anything can happen fast enough! I can’t stay in the house once I tell him as he’ll do what he did last time and use his controlling ways to get me to give in. This time I need to just get out and then sort the selling etc. if I asked him to leave he would say no - it’s his house, why should he be the one to go, etc.

So I need to speak to the solicitor today and see what’s what.

OP posts:
Bittenonce · 21/05/2025 10:14

Trying to be practical: Without your parents’ support or release of your house equity - buying is not an option, renting for what is likely to be an extended period of time is not affordable. Are there options near you for shared ownership? You have £15k deposit and can get a mortgage, as and when you have access to extra funds you can buy the extra % or just sell up for the house you’d really want. It isn’t an instant escape plan but could be the only realistic one?

Finallyready79 · 21/05/2025 10:32

Sorry, just had another thought after reading another post. My name is in the mortgage. If I leave and move into rented, I cannot afford to pay my share of the mortgage as well. My STBXH should be able to afford it on his own. But until I can get my name off the mortgage, can he force me to pay it in any way? He’d be pretty stupid to let it fall into arrears as if the bank repossess it, he will lose his equity too. But in theory I guess he could do that. Which would then make me struggle to get any sort of finance in the future!

OP posts:
Finallyready79 · 21/05/2025 10:35

Bittenonce · 21/05/2025 10:14

Trying to be practical: Without your parents’ support or release of your house equity - buying is not an option, renting for what is likely to be an extended period of time is not affordable. Are there options near you for shared ownership? You have £15k deposit and can get a mortgage, as and when you have access to extra funds you can buy the extra % or just sell up for the house you’d really want. It isn’t an instant escape plan but could be the only realistic one?

Why is renting for an extended period not affordable? I can definitely afford to rent, just need to do it until the house sells.

I don’t have £15k deposit. That money is from my husbands pension and tied up in shares. I don’t want him coming after my, substantially higher, pension. He doesn’t know my pension is higher - I didn’t even know til yesterday! So if I leave his alone, I’m hoping he leaves mine alone. So basically I have nothing for a deposit. My parents can however help me with a rental deposit.

OP posts:
Nottsandcrosses · 21/05/2025 10:41

OP I dont have an valuable advice and you really do seem to have alot in hand.

I just want to say im rooting hard for you xx

Finallyready79 · 21/05/2025 10:45

Also, I wouldn’t get a mortgage till my name is off the joint one.

OP posts:
FizzySweetsAssorted · 21/05/2025 10:45

How old are you ?

Because the earliest that you can access a pension is 55 or 57 depending on your age

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