samanthajane
Registered User
- Messages
- 766
Going through a load of old paperwork i came across a few letters saying that our mortgage protection insurance wasn't renewed and neither was our home insurance.
Needless to say i'm not a happy bunny...spoke/ had argument to the "sometimes bf, sometimes not bf" about this and he said he just cant afford to pay for them anymore.
So it looks like i'm going to have to set up new policies for the 2 of us.
Not sure how we got onto the subject but it came up if something was to happen to me then the insurance would pay off the remainder of the mortgage and the house would fully belong to him. The normal i thought.... but oh no if something was to happen to him then the mortgage would be paid off but he wants his share of the house to go to his parents!!! I would of killed him apart from we have no insurance at the moment....was the only thing stopping me.
Now am i just being totally unreasonable here???
I just cant believe that he has come out with this,,,, we have 2 children surely the house would be for me and the children to live in.
Well according to him if anything were to happen i either have the choice of "buying" his now parents share of the house or if i cant afford to do this then the house would have to be sold and the money split.
Can he legally do this? We're not married so in his opinion he can say who gets his share of the house.
Either way i have to get a policy sorted out for the 2 of us, and i'm a little p****d that i'm going to be the one that pays for a policy that his parents get half of. I wouldn't even mind if he wanted the house to go to the kids for when they were older but thats not an option either.
If he is doing this can i now legally state that if anything was to happen to me that my share in the house goes directly to the children? At least that way they would have at least half, and it would stop him getting the full ownership of the house.
Not that i believe in an eye for an eye or anything like that but if he has no intention of making sure the kids are going to be looked after then i have to.
Because of this i'm also thinking of getting an extra life insurance policy for myself that would go to the children if anything were to happen to me that way money would be there for their future. Is there anyway that he could get his hands on this money even if i request the money goes into trust funds for the kids. ( not that i'm planning on kicking the bucket just yet, but i want to have something in place if the worst should happen )
I just dont know whats come over him, we've never really discussed anything like this before. Not to mention that if anything was to happen to him the kids and me would be left in a right mess having no insurance in the first place.
I understand his parents are important to him but in my opinion he's really gone to far on this one.
I think it might stem from him finding out i had opened a savings account. Now it's not like i had 1000's in this account in 6 months i've saved €750, and i didn't keep it from him as such, i was in the bank a while ago and i was offered this account and just signed up to it. I've never hidden the account, he only found out cause he wanted to use my credit card and i told him to go on line and see what available funds i have and all my accounts that i have came up and he asked what the €750 was in this 1 account. If i was hiding it i never would of let him log onto my online banking, i just never mentioned it. I didn't think it would be such a big deal, i was planning on using the money for xmas.
Needless to say i'm not a happy bunny...spoke/ had argument to the "sometimes bf, sometimes not bf" about this and he said he just cant afford to pay for them anymore.
So it looks like i'm going to have to set up new policies for the 2 of us.
Not sure how we got onto the subject but it came up if something was to happen to me then the insurance would pay off the remainder of the mortgage and the house would fully belong to him. The normal i thought.... but oh no if something was to happen to him then the mortgage would be paid off but he wants his share of the house to go to his parents!!! I would of killed him apart from we have no insurance at the moment....was the only thing stopping me.
Now am i just being totally unreasonable here???
I just cant believe that he has come out with this,,,, we have 2 children surely the house would be for me and the children to live in.
Well according to him if anything were to happen i either have the choice of "buying" his now parents share of the house or if i cant afford to do this then the house would have to be sold and the money split.
Can he legally do this? We're not married so in his opinion he can say who gets his share of the house.
Either way i have to get a policy sorted out for the 2 of us, and i'm a little p****d that i'm going to be the one that pays for a policy that his parents get half of. I wouldn't even mind if he wanted the house to go to the kids for when they were older but thats not an option either.
If he is doing this can i now legally state that if anything was to happen to me that my share in the house goes directly to the children? At least that way they would have at least half, and it would stop him getting the full ownership of the house.
Not that i believe in an eye for an eye or anything like that but if he has no intention of making sure the kids are going to be looked after then i have to.
Because of this i'm also thinking of getting an extra life insurance policy for myself that would go to the children if anything were to happen to me that way money would be there for their future. Is there anyway that he could get his hands on this money even if i request the money goes into trust funds for the kids. ( not that i'm planning on kicking the bucket just yet, but i want to have something in place if the worst should happen )
I just dont know whats come over him, we've never really discussed anything like this before. Not to mention that if anything was to happen to him the kids and me would be left in a right mess having no insurance in the first place.
I understand his parents are important to him but in my opinion he's really gone to far on this one.
I think it might stem from him finding out i had opened a savings account. Now it's not like i had 1000's in this account in 6 months i've saved €750, and i didn't keep it from him as such, i was in the bank a while ago and i was offered this account and just signed up to it. I've never hidden the account, he only found out cause he wanted to use my credit card and i told him to go on line and see what available funds i have and all my accounts that i have came up and he asked what the €750 was in this 1 account. If i was hiding it i never would of let him log onto my online banking, i just never mentioned it. I didn't think it would be such a big deal, i was planning on using the money for xmas.