My Divorce Story

 It has been 4 years since I signed the divorce papers.

If you have never been divorced, you would believe what 100% of the undivorced believe - that women get 50% of men's money.

If you are a woman, you would get a shock of your life if you ever enquire about divorce.

Women's Charter? I assure you. None of the lawyers, ZERO, ZILCH - would mention it.

Because it has nothing to do with divorce or women's rights.

Oh, it states that men are equally entitled to what women do - that if they are handicapped or disabled, they are entitled to alimony from their ex-wife.

4 years ago when I started my journey of divorce, a lawyer told me that alimony for women had been abolished about 4 years before. That makes it about 8 years now.

The rationale for abolishing alimony was so that there would be a clean break, which is a joke.

Before I could apply for a divorce, I was directed to attend a class which I can't recall the name of now. Oh, that was a class mandatory for women under the Women's Charter. Yup, that was the only time Women's Charter came up throughout the whole divorce.

It was conducted at a family service centre in Ang Mo Kio. A few other women were at the talk. We were shown Powerpoint slides about the consideration we had to take into if we wanted a divorce, especially about the financial aspect. I felt strongly that it was a propaganda aiming at discouraging or scaring women from getting a divorce.

I still remember speaking to a staff about my uncertainty about whether I really should divorce. She said something that bothered me for a long time.

I told her that my husband spoke ill about me to my kids.

She asked me to think about whether that was what my kids saw, if it was true.

I was quite disturbed. It deepened my self-doubt and self-blame.

But I knew I wanted a divorce anyway.

William had agreed to a divorce. Of course. All these years, he vehemently disagreed whenever I brought the subject up. He would cry, threaten to kill himself, beg me to stay for the sake of our young child.

Towards the end of our marriage, he finally agreed. He deceived me into thinking that it could be an amicable divorce though.

Before I went to look for a lawyer, he cried and said he would always be good to me. He would offer his help even if we were divorced. He would tell his next girlfriend that his ex-wife would always be his priority in his life.

Sounds great, right?

HA. HA. HA.

The divorce only showed how much of a liar he was, how devoid of integrity, how despicable, how greedy he was.

If you want to know the real character of a man, it's at the time of divorce.

I listed Unreasonable Behaviour as the ground for the divorce.

Of course. I had pages of his unreasonable behaviours.

His lawyer cancelled almost everything and left some not-so-ugly behaviour behind as the supporting reason and said that they would agree to the divorce for that reason.

My lawyer said usually people don't care about the reason as long as they get the divorce. So I agreed to it.

I managed to read a document on which he had drafted his ground for wanting to divorce me. He was trying to beat me to applying for a divorce in order to be the Plaintiff.

He accused me of telling my kids that it was perfectly normal to have affairs in a marriage, which of course was not true.

I still remember what I told them: If a marriage does not make you happy, you have the right to pursue your own happiness. You don't have to be trapped by the marriage.

You see how he twisted that to make me look like a horrible mother?

It took us 4 mediation sessions before all the terms were negotiated.

Throughout the mediation, it was clear he wanted my money.

I was the one who paid for the housing instalments for the past 10 years, all the renovations and the furniture. Yet he kept insisting that he had immense indirect contribution to the house so he deserved 40% of the house.

He insisted that he had been caring for Baby in real time - when Baby was already 13 years old.

In the end, we agreed to have shared care and control of Baby, each spending half of the week with her with public holidays spent alternately with her. 

4 years have passed but Baby has not come and lived with me a single day.

He went to adopt many pets from other pet owners who didn't want their pets anymore and told Baby that she had to take care of them. Naturally, she told me she could not leave them. Otherwise, 'they would die!'

Then, she had to attend church on Saturdays for the whole day so she wouldn't be able to stay with me.

She was also forever busy with her schoolwork so despite the fact that my place was nearer to her school, she couldn't afford to come live with me.

Back in early January, I told Baby that this year was her turn to return to Malaysia with me for Chinese New Year. However, her passport had expired so she needed to get it renewed.

She spent an hour taking a picture for her passport photo.

A few days ago, she suddenly 'remembered' that she had to study over CNY and would not be able to go with me anymore.

We all know who 'reminded' her, don't we?

Suddenly, Baby told me she knew I am supposed to pay child support as I am also a parent.

I asked her,"Is that in the Court Order?" She kept quiet.

The Court Document clearly states that whoever lives with her pays for her living expenses. William wants me to pay when he defies the Court Order and prevents her from living with me.

I wished Baby would know that every word that spews out of his mouth is a lie.

All this while, I didn't enforce the Court Order on the living arrangement as I thought that perhaps she should learn to be a selfish person like William.

She should learn to be despicable and cunning like William.

So that she would not get bullied - like her mother.

My only worry is that it would be a road of no return. She would become what he is. An NPD.

My Cash Advance Mistake with Standard Chartered

I did something stupid in December last year.

When I returned from Finland, I knew I had chalked up a credit card bill.

I had been cancelling credit cards one by one as I really seldom use them and I don't want to be charged (and paying) annual fees without knowing it.

Before I went overseas, I found a Standard Chartered credit card sitting in my drawer.

I had signed up for it as the salesguy told me that it would give me 1.5% cashback on whatever I spent on, subject to a limit of a certain amount of cashback per month. Two years' worth of annual fees would be waived. Even if I was charged later on, I could always call up to get them waived.

I was not an active user of it so I decided to try it out overseas.

I used it to buy a few LV bags so I knew I had chalked up close to $10k on it.

When I returned to Singapore, I checked my credit card bill the next day and the date stated on the screen was that very day. I knew usually that wasn't possible but I didn't want to delay my payment so I pressed a few buttons and tried paying for it.

I was used to seeing the online bank having our savings account as the default 'Pay from' account so I did not think much of it when it had an additional page popping up, asking me to confirm or acknowledge. I just tapped 'yes' and the payment went through.

Then I saw that the sum of money in my savings account was not paid out. Instead another $9K+ came in!

I panicked. I had done a cash advance on my credit card instead!

I asked for help on the app immediately asking if I could reverse the transaction. The reply was that it could not be reversed before the transaction went through.

I waited till the next day when it went through before I reversed the payment. However, I also realised that I was charged $780 fee for the cash advance!

I made two calls to the CSOs who 'assured' me that the fee could not be cancelled but they would help to appeal for the waiver anyway.

True enough. I received two smses stating that the appeals were not successful.

Like many times I had been cheated of my money, I was close to giving up. But I had such confidence in the Singapore banks system that I decided to seek out all possible avenues before giving up.

I looked up similar cases like mine and found someone on Reddit who did the same thing and felt the same way as I did, that it was a trap waiting for us to walk in. The user said that he didn't manage to get a waiver but the amount was small ie. $100+ so it was not that big a deal.

I was so desperate I wrote in to the bank via the bank app. A day later, I wrote in to FIDReC, MAS and the Minister of Finance who is also our Prime Minister to complain about the misleading bank app interface which led to my mistake. I also raised doubts about integrity of the system and appealed for the money to be returned to me.

Then I received a call from the Complaint Unit of the bank who largely assured me that I should get a waiver as it was a mistake and I had only one waiver done a year ago (which I don't remember at all).

Subsequently, I received an sms which was backdated to the time two hours before the guy called me to say that my appeal was unsuccessful again!

Then someone pmed me on a social media platform that as a bank manager, he had helped a few clients waived such fees before and advised me to go down to a branch personally to speak to a branch manager.

I rushed down to the nearest branch to me which was at NEX. The service manager at the reception counter checked for me and found that my appeal was still in progress. She said that she was unable to raise another appeal until this had gone through but promised to send an email to check on the status.

That afternoon, I received an email stating that my appeal was successful. 

All these ding-dongs happened within a week. Imagine the turmoil I went through over this sum of money.

When the refund was completed, I immediately called in to cancel all my SC accounts. I had posted my experience on a social media platform and it received 70k views within one or two days (I just checked and it's 140k views now). Many people commented and shared their awful experiences with SC. It was getting discouraging as almost everybody said that they didn't get a waiver for whatever fee they had with SC. 

I don't want to take any chance with SC again.