Stepdad Demands Rent After I Turn 18-He Doesn't Know I Own the House, So Here's What Happened!

[@tinamiller38]

How could the mom take out a loan for $50,000 using the house as collateral and not own it? Sounds like the bank is at fault for that.

[@esterarney3251]

Perhaps there’s a power of attorney in place if the owner is a minor.

[@bethanderson7467]

There are over 100 versions of this fake story.

[@bethanderson7467]

@@esterarney3251 Power of Attorney does not permit you to take out loans. Fake story.

[@esterarney3251]

@@bethanderson7467 Good to know. Now take your PROZAC.

[@yossarian451]

Bullshit story that's how

[@PodcastStories123]

It's baffling, how can a mother borrow $50,000 against a house she doesn't own? It seems like the bank made a big mistake here. What do you think about this?

[@thecursed01]

parents can do that when the children are underage. or have to be able to handle children's assets. i doubt he did the real estate taxes when he was 10 years old

[@treehouse2902]

The OP should have run to an attorney right away. The mother and Brad are not credible. Time to sell the house. Pay off all debts.

[@lawsonallen7741]

Your mom is the bad guy in this story. She F up everything.

[@Nielak-dg8nj]

Of course! She took out a loan and used a house that wasn't hers as the collateral. AH AH AH!

[@winniethepoohandeeyore2]

Yep, this ALL falls on HER.

[@KKOPPONG]

If I were Brad the minute I would have heard it’s not the wife’s house it would immediately stopped stressing me out🤷🏿‍♂️…why would I be paying the bills contributing to the mortgage. Imagine Brad being told after he’s helped pay the mortgage for years just to be told at a divorce that you have 0 rights😂…Brad rather go buy his own place.

[@anti-classist]

I don't think there was a mortgage... I think they took out a loan on it.

[@kaglaw]

Wasted 30 minutes of my life on a story with no resolution.

[@brendanbrattlie9077]

Thanks for saving me time

[@lisamanning489]

I'm getting tired of these stories being cut off before the end.

[@thepalmofdeborah2110]

That's how I am feeling and I haven't even finished the story yet. It just feels like it isn't going anywhere .I better stop

[@harm28384]

@@lisamanning489 you can always hit the deslike button

[@jnicoulakos]

I'm calling this as a twist of another set of stories. This one is where they owed more money than the house is owed. I don't think this is a real story.

[@mrjohnthedestroyer]

So funny that Step Dad want the son to pay rent but when it gets turned around he says you can't charge me. We're family. Even if it wasn't the son's house then it would have been his wife's & he went on this on his own. Stay in your lane people

[@Koczu0]

He was paying mortgage

[@califdad4]

He needs to talk to a real estate attorney ASAP. Mom sounds a bit delusional and kicking the can down the road

[@TacoCat_Fabio]

Well this story is badly writen, OP mom could never get a load with a house that is not in her name, if that was possible, people would be renting mansions for a while and getting loans everywhere without fear of consequences later. Also, I am almost sure in this case the house would need to be sold when OP dad died so the debt (mortgage) could be paid off and the remaining amount would be OPs, if not, it means the mom would need to pay the mortgage for something that was not hers (and OP sure doesn't let us forget HE is the owner of the house). Also in the end OP say how his dad "worked his life" to let him the house, when in fact his dad left his mother a hughe debt and IF she managed to pay it off SHE would leave the house to him.

[@MamaMargie]

The mom should go to jail.

[@KKOPPONG]

Ohh this is a simple fix everyone get outta my house, rent it out & head to college. Brad needs to man up & go get himself his own house for his “wife” & whatever family he may eventually have.

[@KKOPPONG]

So these people are behind by 80k meaning that’s just what they’re behind no how much is left to pay off the house. How are you even behind by a year? Have they been making no payments whatsoever? Not even a bit of the actual payment?

[@fabiololstein1307]

80k in 1 year on a guess that house would have to be worth millions if you figure 30 yrs mortgage at 80k a year makes the loan total pay off 2.4 million. Something isn't adding up in this

[@KKOPPONG]

@@fabiololstein1307 I’m struggling to even understand how you can put a debt in the name of a minor, who filled the paperwork to begin with & why would a parent leave an unpaid house to a child instead of a spouse🤷🏿‍♂️

[@fabiololstein1307]

@KKOPPONG let's be honest this story has more holes than a windows screen.

[@roaringdream]

too many unbelieveable things for this to be real

[@omgwtfbbqkitty]

That was...very unsatisfying. Feel like I wasted time listening to this :/

[@darkusalfa3728]

Continue this please

[@fanoygamer6112]

This is a bull shit I can easily pay the loan. 1. The total amount is 130000$ 2. I assume the rate of interest is going to be twice of interest let's say 11%. 3. If I calculate the emi on monthly bases it could be around 2762$ for the next 5 years bro. Now in your family you are three people. Each one lets say work at least 8 hours a day and the minimum you earn per hour is 12$. Which becomes 12× 8 = 98 $ a day you three earn the same amount which becomes for. A day is 300$ and for a month of s around 9000 to 10000 with extra shift. So Your total earning (9000) - Emi (2762) = Amount left (6238) This is the least all three can earn in future you got promotion and can make things easier for your self.

[@margaretowens3524]

Good for you, Brad need to pay rent!! He open his mouth and put his foot in it!! No rent Kick them out!!!

[@estellaturner4614]

No he doesn't have to pay rent he needs to move out!!!!😂🤨

[@minionsnew3739]

Even though we might never meet, my best wishes are with everyone who reads this. I wish you happiness, success, and prosperity in every aspect of your life.

[@scottwilson3117]

Sell the joint and take her to court.

[@SimonsafSimonsaf]

Brad try to steal the house !

[@KKOPPONG]

Can someone explain to me how a person can take out a loan for a house that isn’t theirs? How did she take a lean on the 1st place?

[@mevan883]

Op was a minor and she was his guardian, he could sue his mother.

[@KKOPPONG]

@@mevan883 I get that part that he was a minor. What I’m failing to understand is how did the mother get a loan using a house that wasn’t hers to put up. Isn’t that her defending the bank. This to me seems like something OP can easily get himself out from under without even having to sue her because suing her won’t make the 50k lean disappear. All suing her will mean is OP owes the bank 50k and his mom owes him a 50k settlement but won’t stop the bank from foreclosing. It won’t lift the debt from the property.

[@mevan883]

@@KKOPPONG Since she was his guardian, she could do anything with the house until he was 18. All he can do is sue and have the courts liquidate her assets to pay him back, similar to how parents have been able to steal money in a trust fund that didn't put a clause that no one can access it until the person is 18. Which we have seen actual court cases of, in case you consider this story as fake, sometimes the reason deadbeat relatives have fought over trust fund kids.

[@Halorous]

Unscrupulous Moneylender.

[@esterarney3251]

Writer has no idea of real estate transaction, finance & income property. Way over their head. Mom & Brad are financially ignorant. That’s how they got in this mess. She probably married him to take care of her & turned out to be just as clueless. POV is smart enough to search for answers. Gary was a blessing whether they liked it or not. The financial advisor was the first to point POV in the right direction. Weak ending because the writer didn’t know enough to complete the story.

[@deidreott3860]

None of this is even legal. Like it's all made up. There is no way she could even do this. This is so dumb

[@NightCourt1984]

Hopefully there'll be an update where everything gets resolved and OP goes LC with Brad and mom.

[@pracillabain4218]

Seems like someone is still withholding information. I would be wanting details of what the will says and what the 50k was used for before making a new loan repayment plan.

[@straycat1674]

I put the house up for sale and let Brad and my mother know, and tell them that it’s time they learn some responsibility and found a place of their own because they are adults. They have not had the burden of a rent or mortgage for years so they should have plenty of money saved up for something of their own.

[@cdelapaz5]

You can’t take out a second mortgage on a house you don’t own

[@BrianDavis-e4g]

You should have called a lawyer instead of a financial advisor

[@goatkiller666]

Brad - “You’re just doing this to be spiteful.” OP - “Yes. Yes I am, Captain Obvious. But right now, we’re talking about you paying rent. We are not scheduled to sing my praises until 9pm. You will be allowed a 5min break at 10 to use the restroom.” OP - “Note to self: research time locks.” “I notice that you spend a long time in there after dinner, so I think you’ll need to be more disciplined. You know… for the family. Every morning, you’ll be issued five segments of toilet paper. It’ll help you grow more responsible.”

[@scottwilson3117]

The stupid step dad can't do a refi call the bank and make arrangements with the bank.

[@Saborlas]

Downvoted because you can't end the video there.

[@warrentreadwelljr.treadwel2694]

If its different for adults, uh, 18 is an adult and that’s why he wanted you to pay rent. But, who has been paying the property tax?

[@StormyITO]

This is not adding up. Owing $80K on a house is nothing, that is a down payment for some houses. The bank wont let you miss payments for a year, and those payments would have to be over $6K a month to add up to $80K. Making payments for 15-years is nothing: 15Y loan on $80k at 7% is $720 a month, where the hell are you going to rent a place to live for $720 a month?

[@thomasjoseph5876]

Boring and unrealistic

[@warrentreadwelljr.treadwel2694]

If its different for adults, uh, 18 is an adult and that’s why he wanted you to pay rent. But, who has been paying the property tax? If they have secrets, get a lawyer, the one from Dad’s will if possible. At complicated: Dude! Get a lawyer! If there is debt on the house, where is that debt from? Was it before or after your father died? Then, go to the bank! Immediately! With a lawyer! But now we know why they want you to pay rent, but, is it your debt?

[@geraldineekhator5428]

Why didn’t dear old mom and Brad work two full time jobs since it’s their debt? Why didn’t mom put tax returns money towards the debt? It’s what I used to do! I had family members help me watch the kids or I took them to work with me. It’s called being responsible and owning up to your actions.

[@trudypegg437]

His Mum took out a loan ,fot

[@NocheapthrillNet]

What a cry baby

[@mohammedothman5667]

Okay newborn baby I'm 11years old using my dad's account and muslim too . Who wants to be an engineer !

[@frankd5426]

still paying the mortgage....... bull.... that would only happen if mom had taken it on as the widow then dad could not have left it to op. the house would not be in ops name then i do not think you can bequeath an unpaid house if it was left to op for him at 18. there must be a lawyer and trust set up. how could they be struggling with payments when brad did not even know it was yours seems more likely brad got a shady loan on the value of the house. not realising it belongs to op. the house was illegally put up as collateral for the loan is the only thing that makes sense i dont believe this story is real! op needs to get a lawyer because the 50k loan mom got was definitely illegal. as lucas was the owner but underage it would have needed witnessing and notarised...and for the owner to be informed no notification of a part 2 and no ending ....not even close. why post it then

[@Tarotlynx]

This house debt sounds even worse than student loan debt (which is superdebt that next to nothing can get rid of, no matter how much you pay off. A true debt sentence.) And how could the mother have any power to make loans on this house when she didn't own it? If it were in trust to her until his 18th birthday, then I could see it. But not just on her own.

[@JellyBeanKitten]

Sorry but how the hell are they taking out loans on a property not theirs? He needs a lawyer to pull all this apart and sue his family for falsely claiming the property as theirs and I am questioning if even the mortgage was the dad or the mum.

[@jizzya4332]

end result, op starts paying rent

[@twoblackhands]

Jesus with a family like this who needs enemies.

[@winniethepoohandeeyore2]

OP should be going to an atty ASAP.

[@rinkevichjm]

Real estate agents can be helpful at renting. He never explains where all the debt came from.

[@lucylaw9712]

This story seems fake. You can’t put a Lien on a house you don’t own. So his mum couldn’t have had a lien put on the house. As it’s not hers.

[@annnichols3091]

And then what happened?

[@warrentreadwelljr.treadwel2694]

NO ONE READ OR LISTEN TO ANY OF THIS! THEY FORGOT TO END THE STORY. It ends with the kid not knowing how he is going to fix this! BAMM, story done, unresolved! Unfortunately, this is a very good story. THIS STORY IS UNFINISHED. THEY SKIPPED THE ENDING.. I make comments on most stories I listen to. I have never put more than one word in all caps. That’s how upsetting this story is. Most stories like this end up with readers/listeners not caring how it ends. This story is a huge exception, but it’s 100% ruined without the ending. (Yes, there are stories that are 100% complete where the reader decides if they picked door one other two, just let the imagination go, but this is not that type story). It’s like the author told a story of feel good or feel awful for characters, but ended it with an escaped axe murderer broke in and killed everyone. Like say, Goldilocks and three bears ended up with an axe murderer killing everyone. ??? - ending doesn’t fit) Well, upset enough, am rambling. The author could have at least written a horrible story where no one would care about the ending. WE WERE ROBBED.

[@bignormtv6036]

So that’s how you end this story????SMH

[@christinebergesen4402]

No end? Why?

[@Ahalaia]

Ending was odd, he said he wasn't going to give up without a fight but no conclusion to the story.. that's where it ends.

[@tomawulf7444]

This sounds like an entitled 17 year old who thinks he's a business man because his dad left him a partially payed off house at 6. Has he been working and paying for the house since he was 6? I don't think Brad or the Mom are the problem here. Just saying. Also, there are rental laws and discrimination, based on look, is not allowed (assuming this is USA).

[@estellaturner4614]

He doesn't have to pay rent he needs to move out

[@Iyelalisa]

Does anyone work in this story?

[@milagrosvera1075]

Why did they let it get behind ?

[@lindalee9908]

Get a loan on a house you don't actually own?? And what happened to the ending??

[@qcjd96]

Lemme juss summarize it for u so u dont waste ya time on it. Its a story with no resolution...the mom and stepdad put the op in 130k worth of debt and werent gonna tell him about it, now he is on the verge of losing the house his dad left to him.

[@Johnthestoryteller]

I only listened to about 4 minutes of this one. Couldnt stand any more

[@Higherseeker]

The graphics are nauseating.

[@gk863]

I mean asking ur grown kids who lives with u for reasonable financial support isn't something crazy to be honest

[@KKOPPONG]

Don’t have kids you can’t support. That’s the reasonable expectation…saying “IF you want to live here” is a level of entitlement that’s crazy.🤷🏿‍♂️

[@gk863]

@@KKOPPONG when I became adult and was earning money I decided to stay at my parents place for few more years to save some and move on. At that time my parents hinted that maybe I could help financially a bit and I don't think it was anything wrong to ask of me since I was making my own money. I would actually be ashamed of myself to lich of my parents. They've been struggling enough to bring me and my sister up so why shouldn't I agree to it. Family support goes both ways but lots of ppl these days think that they are entitled to everything from their parents and they don't have to help them even if they struggle.

[@TrueBlunty]

yet again a woman ruins multiple lives by trying to keep her own happiness

[@heisenberg3505]

I know its fake, but they committed fraud. They should be sued and jailed

[@StorytimeHaven3979]

How could the mom take out a loan for $50,000 using the house as collateral and not own it? Sounds like the bank is at fault for that.

[@warrentreadwelljr.treadwel2694]

NO ONE READ OR LISTEN TO ANY OF THIS! THEY FORGOT TO END THE STORY. It ends with the kid not knowing how he is going to fix this! BAMM, story done, unresolved! Unfortunately, this is a very good story. THIS STORY IS UNFINISHED. THEY SKIPPED THE ENDING.. I make comments on most stories I listen to. I have never put more than one word in all caps. That’s how upsetting this story is. Most stories like this end up with readers/listeners not caring how it ends. This story is a huge exception, but it’s 100% ruined without the ending. (Yes, there are stories that are 100% complete where the reader decides if they picked door one other two, just let the imagination go, but this is not that type story). It’s like the author told a story of feel good or feel awful for characters, but ended it with an escaped axe murderer broke in and killed everyone. Like say, Goldilocks and three bears ended up with an axe murderer killing everyone. ??? - ending doesn’t fit) Well, upset enough, am rambling. The author could have at least written a horrible story where no one would care about the ending. WE WERE ROBBED. Never listen to another Fyra story online (my decision - am not asking other people to ignore them)