Domestic abuse takes many forms and does not always involve the use of physical violence. Some abusers repeatedly dictate their partner’s choices and control their everyday actions, becoming violent or threatening to become violent if their demands are refused. This pattern of behaviour is a form of abuse known as coercive control.
- It is designed to intimidate, isolate and control the victim, and is almost always perpetrated by a male abuser against a female victim.
- An abuser may restrict how you acquire, use and maintain money and economic resources, including accommodation, food and clothing.
- This is known as economic abuse, and it is commonly experienced within the context of coercive control.
Identifying economic abuse
“He had access to all of my bank statements and accounts. I didn’t know anything about his finances.”
“He watched me entering my PIN and stole money from my bank account, threatening harm if I changed it.”
“Even after we separated, he said that if I didn’t do his washing and cooking, he wouldn’t pay any child maintenance.”
“He applied for multiple loans in my name by using the app on my phone. Loans for over £50,000 in total.”
Economic abuse can take many forms. An abuser might do any of the following: Control how you acquire money and economic resources.
- prevent you from being in education or employment
- limit your working hours take your pay refuse to let you
- claim benefits take children’s savings or birthday money
- refuse to let you access a bank account
- Restrict how you use money and economic resources
- control when and how money is spent
- dictate what you can buy
- make you ask for money or provide an allowance
- check your receipts make you keep a spending diary
- make you justify every purchase made
- control the use of property, such as a mobile phone or car insist all economic assets (e.g., savings, house) are in their name
- keep financial information secret
- Sabotage your ability to maintain economic resources
- steal your money or property
- cause damage to your property
- refuse to contribute to household costs spend the money needed for household items and bills
- misuse money in joint bank accounts
- insist all bills, credit cards and loans are in your name and make you pay them
- build up debt in your name, sometimes without your knowledge
“I had not consciously realised that economic abuse was taking place… I was so focused on trying to protect myself from physical harm and keep my family safe that I only became aware of the economic abuse and the extent of it once I had left.” Economic abuse can be difficult to identify.
It can develop slowly and could begin with behaviour that at first seems protective or caring, for example, offering to take care of all the finances or encouraging you not to work so that you can look after the children. Over-spending, or building up debts in your name or joint names, can also develop slowly and may not be obvious at first. Some women may have lived with economic abuse for many years, and it can continue after leaving.
“I am not a stupid woman. This could happen to anybody.” Despite the difficulties in recognising economic abuse, it is very common. One in five UK adults has experienced economic abuse by a current or former partner, and over one third did not report it to anyone at the time.
Spot the signs If you can answer ‘yes’ to one or more of the following questions, you may be a victim of economic abuse.
Has your current or former partner ever:
- stopped you from having the money you needed to buy food, clothes or other essentials, or to pay the bills?
- dictated how you must spend money?
- insisted you give them receipts or change from any purchases?
- hidden money so you couldn’t find it?
- kept important financial information from you? made you ask for money when you needed it?
- stopped you from having a job or going to work, or made it difficult for you to do so? forced you to get a credit card or loan?
- made you buy something on credit when you didn’t want to?
- taken out a credit card or loan in your name?
- bought something on your credit card without your knowledge or consent?
- made you buy things for them or pay their bills when you didn’t want to?
- spent their money however they wanted while your money was used for essentials? stolen things from you?
- put bills in your name so you had to pay them?
- built-up debt in your name? forced you to give them savings or wages?
- stopped you from having or accessing a bank account?
- made you sign papers without telling you what they were for?
- broken or destroyed your possessions?
If you are a victim of economic or another form of domestic abuse, there is help available from National Domestic Abuse Helpline round the clock. If you need any legal advice on how to get out of an abusive relationship, call us on 020 7183 6904 and we will be able to help.