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Debts and decisions

64 replies

ihavenowords30 · 21/04/2021 10:22

I need advice as we have a odd situation that's came up over the weekend. I'll try and keep it short but happy to give more info if needed.. I have 3 teen SC, the eldest is not my partners biological child but he has pretty much raised him also.

For the past two years wet partner and I have been frustrated as the kids birthdays have pretty much gone without any real effort on mums part. It's all been left to us, and the 3 of them are being told they need to save up money for things they want (I'm totally on board with) but recently this has included new trainers, a double bed and clothes and even haircuts. Things we do consider basics that they really shouldn't be saving up for.. using pocket money / Christmas money ( to add these aren't big designer things just average brands etc)

It came to a head last Friday when the ex texted my partner telling him that SS 15 has £40 cash and wanted it in his bank so could he transfer it to him and we would get the cash on Saturday, he said no problem then we found out he has used the money to get his hair cut and buy his toiletries ( lynx, hair gel etc)

My partner did send a shitty message to her saying it was a joke and why is he buying these things himself and she came back equally shitty saying if he's that bothered give him the money back which I said my partner deserved and he did Transfer the money back to SS.

This has led to a call Saturday where the EX has basically said she's having to pay a lot of debt off and is struggling for money. She openly admitted as the debt was before she met her new husband he's refusing to really help with it so she's having to use the CSA Money to keep the wolves from the door so that's why the kids are perhaps being more self sufficient l, she's upped there pocket money but told them they are now responsible for things such as I've mentioned.

To be honest she had balls coming clean like that so I did gain some respect for her however it's now been left and we really have no idea where to go from here... I would just like opinions on what others would do from here? Ignore it? help more and in what ways?

I'll add the kids are all happy there's no real issue with them it's just left us abit unsure how to proceed with things as she stayed her case and just said so there now you know and I can't change it, I am trying my best so stop giving me shit.

I have already bought loads of sanitary and toiletries for all 3 to take him and keep in there rooms.

For info Partners CSA changes a lot with work but since Christmas it's been 315 for 2 kids ( eldest dad pays through CSA but it's like 7 a week)

We cannot afford to massively up this cost nor do we want to so looking at other options.

Ex states her debt was 11-15k

OP posts:
YellowTwinklyStar · 21/04/2021 20:05

Although she might worry that means he will reduce his maintenance. It must be tricky for her having 3 children on the income from your husband for 2 + £7 and her husband being funny about paying for them.

ihavenowords30 · 21/04/2021 20:59

@YellowTwinklyStar yes I agree... plus 2 more young ones from her new husband and he also came with a daughter (9) from previous. Hectic to say the least with 6 kids from 1-17 but again these are all her choices stupidly.

Oh it would always be the three he's been in his life from 5 or so bio dad been in and out the picture ever since but nothing dependable.

OP posts:
RedMarauder · 21/04/2021 21:42

Oh they would never be allowed to move in and or be fair that wouldn't work for us either location wise, In no way is he being aggressive to her but I agree he should pursue contact as right now the kids seem fine.

Due to the kids ages, as long as they are NT, if they upped and decided to live with you both there would be very little their mum could do.

Also if your DP wants them over more he needs to talk to the kids first to see if they actually prefer to spend more time in your household. If they are happy being at their mums because their younger siblings live there, they are near their friends, etc then leave them be.

SandyY2K · 21/04/2021 22:03

I'd never make kids that age pay for a bed. That's parental responsibility.

The new husband doesn't sound very nice at all. Asking them to pay for the takeaway food..

Thepennyhasdroppedq · 21/04/2021 22:08

Its not your or your partners issue to solve her debts. She sounds like every other ex who just wants more money. I have no respect for women like this.

We are in a similar situation where my DHs kids have been using (unbeknown) their birthday and Christmas money to buy their school uniforms, this is while the mother is a high earner, also mentioning that my DH has been giving the mother the uniform money. She's in a much better financial position than us but still likes to grab what she can.

UhtredRagnarson · 21/04/2021 22:14

my partner is frustrated that all his money his paying off debts that are nothing to do with him

It’s not his money.

ihavenowords30 · 21/04/2021 22:14

Oh dear... well I'ld be lying in the thought she wasn't being truthful about the debt in order to get more didn't cross my mind however my DP says it sounds consistent so believes her.

The kids are pretty much happy in both I think, at mums they have their younger siblings and mum & friends nearby plus her family, at ours they have a younger brother, but more space as less people and my husbands family just no friends near us but we're happy to accommodate them to see people.

Again do I like 317 going to her and going straight on debt no! As I'd like to pay that much on my or. Haha but I do believe we shouldn't have control on what she spends on, even if we don't agree. We have 3/4 more years of paying until both are 18 ( I think that's right isn't it? Then support goes to them direct if needed?)

OP posts:
User135792468 · 21/04/2021 22:26

I know the ex is paying off debt but she’s not using the cms solely on that. She isn’t directly paying but her husband is funding the house, bills and food for the children. It’s still coming out of the household budget. £317 wouldn’t go that far on teenagers when just thinking about the food bill as they eat loads. The husband sounds like a dick. However, you need to correct your husband in his claim that his money is paying her debt, as it’s not. It’s his contribution towards his children’s upbringing and £317 for 2 children isn’t a huge amount at all.

RedMarauder · 21/04/2021 22:36

Again do I like 317 going to her and going straight on debt no! As I'd like to pay that much on my or. Haha but I do believe we shouldn't have control on what she spends on, even if we don't agree

If all the 317 goes straight on her debt then her husband is paying for your partner's kids as she doesn't work.

So then saying her husband is mean etc won't be true as the kids food, pocket money, share of the utility bills etc has to be paid by someone and if it isn't your partner paying it's her husband.

However it's normal, like with the kids father who pays £7 per week, for someone with no income to negotiate repayments about that low.

RedMarauder · 21/04/2021 22:43

I should add OP I had to sit down with my own DP when he moaned and explain to him the child maintenance he pays his ex, is to ensure his child can at least eat plus have heating and electric at his ex's home.

bogoffmda · 21/04/2021 22:45

Oh they would never be allowed to move in and or be fair that wouldn't work for us either

WTF - if it turned out there was more than financial abuse going on - they would go into care? The you say they stay 50:50 - really are your trolling

Anyone asked why she got into debt prior to the marriage. £317 for 3 kids is not excessive

Terminallysleepdeprived · 21/04/2021 22:45

I am fairly sure if it was dad wanting to reduce cm to pay over debt he would be vilified.

Op their mum is in a difficult position. She. Weds to speak to someone and get help for managing her debt...citizens advice can help. She is just as responsible for providing for the kids and needs to find a better way to manage.

That said if you can help out a bit by getting g haircuts done etc then I think you should but if you can't then she needs to manage her own budget. The kids are too young to be funding toiletries etc unless they want expensive brands etc

UhtredRagnarson · 21/04/2021 22:50

That said if you can help out a bit by getting g haircuts done etc then I think you should but if you can't then she needs to manage her own budget.

That’s a bit hypocritical tbh. If OPs DH can help he should, but If he can’t then it’s her problem to sort? But she can’t manage either. Why is it ok for OPs DH not to manage to pay for haircuts but not ok for their mum not to manage?

Nat6999 · 21/04/2021 23:18

Could you do a Poundshop haul of toiletries & send each of them home with some a couple of times a month, the same with things like socks & undies, buy lots of multipacks of pens & stationary for school. Could your dh put part of the money he pays in maintenance on a gift card each month for their usual supermarket so that at least that part of the money does go towards the dc, it can usually be spent on anything in the shop.

excelledyourself · 21/04/2021 23:32

@Nat6999

Could you do a Poundshop haul of toiletries & send each of them home with some a couple of times a month, the same with things like socks & undies, buy lots of multipacks of pens & stationary for school. Could your dh put part of the money he pays in maintenance on a gift card each month for their usual supermarket so that at least that part of the money does go towards the dc, it can usually be spent on anything in the shop.
A gift card?

No, he doesn't get to choose how the maintenance is given or dictate where it is spent.

I feel for the kids, and I had to put my foot down with my ex a few years back about him expecting DS to pay a significant contribution to something that I'd never expect him to. But this mum isn't exactly starving them. She's giving them pocket money, and on top of the oldest having a job by the sounds of it. The alternative is she stops the pocket money and buys what they need. Still a shame for the kids, but I don't think she's being right for the sake of it.

excelledyourself · 21/04/2021 23:37

Its not your or your partners issue to solve her debts. She sounds like every other ex who just wants more money. I have no respect for women like this.

The ex didn't even want to admit to this debt and hasn't asked for more money. OP specifically said she didn't ask for more. You're projecting. All she asked for was for her ex to mind his own business.

ihavenowords30 · 21/04/2021 23:37

317 is for 2 kids not 3 and then living here full time wouldn't be possible and as I previously mentioned the kids are mostly happy as far as teenagers can be, no need to discuss moving home.

50/50 would be some thing we could discuss if mum was still saying she was struggling financially as a way to help with having them here more... but then the CSA stops which I imagine would be a worse situation.

I'm not trying to dictate to her anything about her life it was just a shock phone call that's left us thinking about money/how we can help in other ways/ kids time at either house etc

The debt is from catalogues, a loan and payday loans from what she has said.

I have told my DP the money he pays for 2 isn't up to him where it goes and he is slowly getting that as long as it's paid. We obviously do extras outwith maintenance but it's hard moving on being told she will not be contributing to certain things in the future and unless we foot the full bills the kids are aren't getting them. It does make you think about how things are and what your willing to put up with etc.

OP posts:
ihavenowords30 · 21/04/2021 23:41

Yes to be fair to her she hadn't asked us for anything, only said the kids are responsible for a lot more now, our pocket moneys to be also spent on these things. Which is a little frustrating because we give that to them for leisure / fun stuff but I guess that's up to them what to spend.

OP posts:
Spandang · 22/04/2021 04:32

50/50 would be some thing we could discuss if mum was still saying she was struggling financially as a way to help with having them here more... but then the CSA stops which I imagine would be a worse situation.

It won’t necessarily stop unless you go to a shared care order at 50/50 and you can demonstrate that care is shared equally, this isn’t just about them living with you seven days out of fourteen, this is about after school pick ups, medical appointments, parents evenings etc. She can still make an application for CSA and it can still be considered so I’d just check your position before you offer to do it (if the assumption is that CSA will stop).

You have my absolute sympathy I’ve been here and it’s frustrating. The courts also aren’t interested in financial aspects unless it’s affecting welfare.

8-11k over eighteen months is entirely doable by the time you’ve factored in that the debt is probably high interest.

I think I would do two things:

  1. I would speak to Mum and say ‘I appreciate your honesty about the situation and I do see how hard it is for you.

But there are basic needs like a bed, clothes, deodorant and not providing those could lead to the kids being flagged as at risk.

Wants, I completely understand that that is their responsibility.

School trips; many schools have a fund for kids who can’t go because of finances - she needs to ask to access it.

I would then state (don’t ask) that you’ll be speaking to the kids (just the older ones) to see if the arrangement currently works or if they’d prefer to live with you more of the time.

  1. I’d have that conversation with the 14 year old. I wouldn’t go down the ages after that for the moment. I would lead with the takeaway conversation to be honest and say ‘I’ve heard that this happened and I’ve spoken to your Mum, I understand her situation with money is difficult. I want to help, but I want to make sure you get the help as you’re my priority. I don’t think it’s fair you’re being put in a position where you think you have to pay for a takeaway for the others, or a bed or deodorant (or whatever). I was wondering whether you would find it better if you all spent a bit more time here where I can look after you and make sure you have what you need.

Don’t phrase it as your mum is rubbish come and live here. DH needs to pick words carefully.

I’d see what their thoughts are first before I made my next move. If they say no, I would instead look at what other things I could take from them, that are directly for them. If they’re spending £10 out of that £40 on mobile phone contracts it doesn’t leave a lot.

Even by the time you’ve bought deodorant, hair wax, shampoo etc it doesn’t leave a lot. So I’d make that list and find more practical ways to offer them help, where at least you can be satisfied it goes to them.

And finally, you have to let go of the money that goes to Mum. I used to hate paying £360 a month especially when she would always come for more, always throw it in our faces, describe DH as a Disney dad, always asking for favours and completely overstepping.

I hated it. When we went to 50/50 shared care, it was much better in the sense that, the footing was equal and the boundaries were clearer. The only thing that now moves between houses is school uniform. They come here in trainers from Mum, they wear trainers from Dad, they go home in trainers from Mum. We no longer have this back and forth over money and how she can’t afford things. We don’t have to engage over Christmas and what she can’t afford.

But as others have said, there is bob all you can do about that and a court will tell you unless she is spending her money on crack instead of feeding the kids, you need to mind your own business.

ihavenowords30 · 22/04/2021 06:33

@Spandang you make a lot of sense thank you! All kids are over 14 so yes a nice chat with them is probably a good idea, they come for tea tonight and stay till Sunday evening so we can at least know we've addressed the matter but yes In a nice way.
My DP is a nice man but like all ex partner sometimes doesn't use the kindest words so I'll works to him about keeping it positive and not running mum down as 2 out of the three are particularly close to mum rightly so.

Thanks all for your advice, we will be buying all toiletries for them to take home EOW, we have agreed all haircuts / dyes can be done by us and we'll take on the £40 phone bills each month for all three combined so their money is more freed up until they turn 18. We'll see what they have to say also.

OP posts:
PaniniHead · 22/04/2021 07:48

@ihavenowords30

Yes to be fair to her she hadn't asked us for anything, only said the kids are responsible for a lot more now, our pocket moneys to be also spent on these things. Which is a little frustrating because we give that to them for leisure / fun stuff but I guess that's up to them what to spend.
I agree with what others have said about the maintenance. But I don’t agree she gets to dictate how they spend the pocket money you give them separately
UhtredRagnarson · 22/04/2021 08:13

The bed issue sounds strange. Is the bed the child currently has broken? Or unuseable? Or does the child just want a double bed. I decided I wanted a double bed as a teen. Luckily we had a spare room with one so my parents let me swap my single bed for it. Similarly my teen boyfriend wanted a double bed in his room so we could sleep together more comfortably and his parents said “sure, buy one.” Which tbh I thought was fair. We were 17 and both working.

Clothes- is it clothes they need because they have outgrown all they have or clothes they want? My DC get new clothes at Xmas, sometimes for a birthday if it’s something they’ve asked for but rarely any other times of the year unless there is a good sale on. Trainers usually in august for school in September and during the year if they wear out (DS2) or grow out of them.

YellowTwinklyStar · 22/04/2021 09:29

@SandyY2K

I'd never make kids that age pay for a bed. That's parental responsibility.

The new husband doesn't sound very nice at all. Asking them to pay for the takeaway food..

Assuming they already have a decent bed that they can comfortably sleep in and they just wanted an upgrade to a double bed I think it's fair. Same as if they had trainers but wanted a super fancy pair.

Agree with you re the food though.

ihavenowords30 · 22/04/2021 09:41

@UhtredRagnarson sorry I realised I never explained the bed issue that's for SD 15, she up until recently a shared a room with 2 sisters (two single bunk beds and a toddler bed ) but there's been a move around and she now has the smallest room to herself - problem is there is no bed as the youngest has gone from toddler bed to her old single in that room. So she's sleeping on a z bed type thing, she's saving to get herself a double bed (a single would be Easier but she's got her heart set)

Clothes is more we've been noticing over the last year or so the boys are always in the same clothes ( they don't care a joy about clothing ) and the daughter is getting hand me downs from her auntie (nothing wrong with this but she's trying to find her own style and was buying the cheapest of Chinese clothes online that were awful quality when I asked why she was ordering these and not going to look at clothes or buying from sites that are still cheap ie boohoo / primark that's when we realised she was buying all new clothes herself outside uniform and underwear etc)

Again it might just be be from my privileged upbringing but I was shocked! I let her order £90 worth of clothes on my account (this was a good staple wardrobe) and I bought her new trailers as to be honest I just felt sad her for and she's a good kid. DP was fine about it but this us when he gets frustrated as they shouldn't be having to buy all their own normal clothes.

OP posts:
YellowTwinklyStar · 22/04/2021 10:12

That sounds awful. They should be paying for the price of a single bed for her at least. And some clothes from cheap shop. It sounds neglectful.

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