My X is sooo stupid

iVillage Member
Registered: 09-21-2006
My X is sooo stupid
4
Thu, 05-24-2007 - 2:22am

and to think he is a physician- YIKKES! My latest rant- sorry- but....
I'm trying to refi my home mtg partly because my existing loan's rate just went way high and partly to finally get my X off of it. So everything is peachy, going smoothly and the new mtg people call me because there is a problem verifying my homeowner's insurance. Turns out my X, way back in March 2005 changed the mailing address for this policy to his new address and it is apparent he thought he was changing the policy to his house and leaving me without insurance. This was during the time in the divorce process where neither of us was to change anything about our insurances. He had tried the month before to remove my car from our car insurance policy and failed- yet he swears he succeded. Anyway, he had his GF call in April 2006 to demand I be removed from the policy- meanwhile all the info for the policy is for MY HOUSE and the payments are being made through the escrow account from my existing mtg. So of course they didn't let some third party tell them to remove me. What a nut. They won't let me remove him either. So I will probably have to wait til it comes up for renewal next April and get a new policy with a different carrier in only my name in March and then let this one lapse.

M was great when he heard this stuff. Of course he wants to pound the guy into a pulp- but he acknowledges that I have a reasonable plan to move forward, glad I've documented all this with my attorney- and if OW keeps up calling businesses and screwing with my life- I should go after her legally. (She's actually represented herself as me to the phone co. and to the box office of a local theater- those are just the one's I know about) I just thank M for cheering me up and helping me calm myself, so I DON'T call up psycho boy and give him the satisfaction of knowing he pissed me off and caused me some hassles.

I think when my alimony is done with I won't have to give my X my social sec # anymore and I'll see if I can get a new number- one he won't know. It's just too easy for him to screw with me.

iVillage Member
Registered: 03-26-2006
Thu, 05-24-2007 - 2:42am
I don't know where you live. But, I think I have offered this before. I am a mortgage lender, and would be more than happy to review the documents (on either side). I just want to make sure you are not being ripped off.
Colleen
iVillage Member
Registered: 05-13-2005
Thu, 05-24-2007 - 5:41am

"so I DON'T call up psycho boy and give him the satisfaction of knowing he pissed me off and caused me some hassles."

THAT my dear is golden. And that is all you can do. I wonder if you got a new policy and cancelled the old one if you could get a refund on the old one? I know they do that with life insurance policies - but I have no idea about homeowner's insurance policies.

Sorry he is being such a jerk. But if you can refinance the house in your name that is one more step to getting him permanently out of your life.

iVillage Member
Registered: 09-21-2006
Thu, 05-24-2007 - 4:57pm
Unfortunately I cannot cancel the policy without my X signing off on it. Instead of trying to get me off the policy he should have called to remove himself. My only recourse is to wait til early next year and buy a new policy then. ( I just can't stomach the idea of just having paid the premium and then buying another policy- my house is expensive to insure, basically adobe is an expensive building material) I'm changing the escrow set up so I just have my property taxes paid through the escrow account and I pay my homeowners insurance. But the account now has all these flags and notes about the fact the house is actually mine. He can't cancel the policy without my consent either. I'm going to just lay low and trust he has totally forgotten about this policy. His homeowners is paid through an escrow account- don't know why he thinks this is his policy. Like rlch, I just have to keep the documentation of his not following the decree so if these things continue to happen, I can go after him for contempt and for attorneys fees. I also plan to keep records of how often OW gets herself involved in my life. I'll go after her for harrassment- that will be the cops involved and not cost me a dime in attorneys fees.
iVillage Member
Registered: 05-13-2005
Thu, 05-24-2007 - 6:31pm
oh boy - what a royal pain. That speaks volumes about what a jerk he really is. I mean, something so simple that doesn't cost him time or money -just to straighten out the insurance for the house his kids live in - and he doesn't want to help or do it. You poor thing!! But the time will tick quickly and you can get a new one and let that one lapse!