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Should I Expose My Ex Who Defrauded Me and Ran Away to Marry Someone Else?

Kanchan

Kanchan Rai  |496 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 28, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Nov 27, 2024Hindi
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Relationship

Hi Kanchan, I am reaching out because I am deeply troubled and need some advice. I was involved in a relationship with a much younger woman (14 years younger) who I developed strong feelings for. We met in 2017 and our relationship deepened in June 2022, involving both emotional and physical intimacy. Unfortunately, the relationship took a negative turn. She began making financial demands and became increasingly manipulative. Over the past two years, I've given her nearly 3 lakhs [for Rent, electricity bill, Food expenses + Other expenses]. After realizing her true intentions, I stopped providing financial support. She recently informed me about a breakup with a previous long-term partner. Shockingly, she got married in February 2024 [ 14th Feb] and is now residing in Ahmedabad, Gujrat. She ran away from Kolkata after extorting money. When I confronted her about the money I had given her, she completely denied any knowledge of it and has blocked me on all social media platforms. She even threatened to share our conversations with my daughter/ relatives if I continued to contact her. I am devastated by this betrayal and the emotional turmoil it has caused. I have saved our chats and her father's address. I am considering sharing her true nature with her friends and family. Is this a wise course of action? Or are there other steps I should take? I know it is easier said than done, but I am struggling to move on from this painful experience. Please offer any guidance you can. Thank you, AS,Kolkata

Ans: it's important to recognize that your emotional pain is valid. The feelings of being manipulated, exploited, and lied to are all real, and it’s okay to mourn the loss of a relationship that you thought had value. However, as tempting as it might be to seek some form of revenge or public exposure of her actions, it’s crucial to ask yourself: what do you really hope to achieve? It’s natural to want justice or closure, but sometimes, seeking to get even only prolongs your suffering. Taking the high road may not feel satisfying in the moment, but it will allow you to reclaim control over your own emotional state and move forward in a healthier way.

Rather than focusing on exposing her, I encourage you to turn your attention inward and prioritize your healing. Healing is not about ignoring the wrongs that have been done, but about freeing yourself from the emotional hold that this situation has on you. This could mean allowing yourself to grieve the loss of not only the relationship but also the trust you gave to someone who ultimately betrayed it. It’s important to recognize that closure doesn't always come from confronting the other person or airing grievances—it can come from within, through self-reflection, and setting the intention to heal and move forward.

I also understand that it’s hard to let go of the desire for accountability, especially when it feels like she’s getting away with something. But the truth is, confronting her may not bring the peace you hope for. It could lead to further conflict, strain your relationships with others, and keep you emotionally entangled with someone who no longer deserves a place in your life. Instead of focusing on her actions, I encourage you to take steps that help you regain your sense of self-worth and emotional security. Reflect on what you've learned from this experience—what boundaries you might want to set in future relationships, and how you can protect your emotional and financial wellbeing moving forward.

Consider seeking support from a counselor or therapist, someone who can provide a safe space for you to process your feelings and help you navigate your next steps. Talking through your emotions with a neutral third party can give you the clarity and emotional tools you need to make decisions that align with your highest good.

Finally, remember that you are not defined by this situation. It’s easy to fall into the trap of self-blame, but you are not responsible for her actions. What matters now is how you move forward, rebuild your sense of trust in yourself, and ensure that you are emotionally supported in the process. This painful chapter doesn’t have to define your future, but how you choose to heal from it can shape the life you want to create moving forward.

Take your time to process this at your own pace, but don’t let the actions of someone else keep you tethered to a painful past. You deserve peace, healing, and a future where you feel empowered and free from this betrayal.
Asked on - Nov 29, 2024 | Answered on Dec 01, 2024
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Thank you so much for your valuable advice, ma'am. I will take it to heart & work on healing from this betrayal..............!!! Ek Nayi Jindagi Shuru Karni hain Hamein Abb...!!!
Ans: all the best

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Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Hello Anu,Pls help. I am in a lot of mental trauma right now. I wrote to you earlier but my article was not published. I am a 36 years male married for the last 7 years with 2 kids. Last year when I was alone and my family was at my native place, I got close to one of my female school friends who is single. We came close and talked a lot. Gradually I fell in love and gifted her close to Rs 2 lakhs rupees to fulfil her shopping and household expenses. On realising that I am being trapped with no future in sight, I asked to return my money. This infuriated the girl and she abused me citing that I am making fun of her poverty and all. I understood the situation and told her to just return Rs 25k and stop. Thereafter we started talking again but obviously the intensity reduced. Over the last 8 months, my family is back and I cannot get over her. I constantly try to ping or call her but 90% of the time she doesn’t respond. I recently sent her Rs 15k for her birthday which she accepted after initial refusal. Now when I messaged her to know how her day was, she really got angry and blocked me on all social media platforms. I reached out to her sister to assuage her and apologize. She called and really abused me citing the constant family surveillance she is under. I promised I won’t text or call her for the next 2 months. Now I don’t know what to do. Should I ask her or her sister for the money to be returned if this escalates? Because she warned me that she would report to the police if I don’t stop messaging. She fears that family members know about me. She doesn’t have parents but is under constant family surveillance. Pls suggest the next course of action. Should I cut her off completely and risk losing the 2 lakhs and gain my mental peace or try to communicate intermittently? The day she abused me I really lost my mental peace. Pls advice.
Ans:

Dear MK,

What advice can I give you when the solution is right in front of you?

She wants to get your attention and fulfil her monetary needs; that’s all, Doesn’t that tell you anything? And when you try and contact her, she says that she is under surveillance.

How much of this has affected your marriage? What exactly was the need to step out of marriage for this attention?

Sometimes, we fancy things that are prohibited and this happens when we do not feel grateful with what we have and constantly chase what we don’t have. Time to work on your marriage?

Start first by loving yourself as this will tell you how much ignoring oneself can cause havoc in core relationships. Why should your wife bear the brunt of what’s going on? Your full commitment

is what she seeks and here you are mulling over a relationship that is based on selfishness and need-basis.

Can you please re-evaluate what your priorities are and put your life back in order?

Do this for yourself and your family…Your work, health and state of mind will start to improve. It’s time you took charge and I am sure you know how to do this.

All the best!

..Read more

Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 26, 2023

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Hi Anu Myself 38 Male, Government Employee and married. I married to a girl in 2013 as per chosen by my parents. Prior to marriage, I was in relationship of 6 years, but could not marry due to caste differences. Its a bit long story. In last december 2021, a women, 9.5 years elder to me, initiated relationship and proposed me. After few initial days, her husband expired, who was 60 years at the time of death. After her proposal, I accepted it, although, she was in another relationship with a man of 27 years continuously, on the pretext that her husband used to drink, and do not use to work and often used to cast her away from home and that man took care of her and her children. When she entered in my life, I inquired about that and she told me that that man is just friend now, as that man took care of her and her children. One strange thing that came into my mind that women told me that man left her as he got involved in another women and that man is only for doing household and outside chores, and nothing else. How come a person remain in relationship obviously being aware of other partner infidelity. One particular strange I like to share with you that when I met her for first time at her home, as there was no body else, she was with her female friend and that man came to her house, around 10 pm. When she got to know that that man is coming, she hurriedly asked me to leave the house for some 1 and half hours and then come back as she told me that her uncle is coming to pay a visit. I came to know about that man around 10 february, 2021. I totally relied on her conversation that he is only acquaintances now and no more a lover and she totally loves me. After that, she loved me a lot, had physical relationship and she told me that she wanted to live the rest of her life with me. Seeing her love, I also accepted her fully and totally. That other man remained in her life, apart from husband, for the last 27 years. But she used to say ill about him, like he looted her money, got involved with other women, despite her. That used to make me very sceptic thinking that she must be having feeling for him, as together for 27 years is very long time. But her problem is that she is too sceptic a person. she cannot tolerate a name of any women from my lips, let alone my sister. She used to doubt my concern towards her daughter as her daughter is younger to her and I might fall for her daughter. I clearly told her that your daughter is like my daughter. Recently, she started to doubt about my sister in law. I took the oath of all the Gods and my children, but she brushed aside all my Oaths. This was going on from 28 May to 27 June, 2023. She levelled all the filthy allegation that I was having the sight on her daughter and on my sister in law. I also came in rage. She was in the mode of character assassination and I did not take that lightly. I expressed all my displeasure and anger on her and finally, on 27 June, 2023, I blocked her from whatsapp and phone. She is kind of person who would show off about her materialistic things, her status, but in reality, in her bad times, when she was not having any money, I took care of her, her ration and money problems. But being sceptic about relationship with my sister in law, who is just 22 and I call her beta, she was adamant in proving that I was having relationship with my sister in law. She was such a possessive person that she even cannot tolerate my wife with me. She called on my wife phone saying that she is talking from Bank etc. But now, my wife is almost certain that I am having affair. I relied on her thinking that i should give life a second change. But now, I am regretting in relying on that women words. I have blocked her, but she is not trying to contact me from other phones. Help..
Ans: Dear Harish,
You seem to be running after a woman who either cheats or lies or both. From what you have described this lady wants it all from you but will be who she is and not change.
Doesn't all this look like a red flag to you? What more should she do for you to know that she is unsure about herself and you as well?

And because of all this drama, you don't have the time, energy and inclination to give your marriage a fair chance. Why should your wife be at the receiving end of all this drama? Does she not have the right to know and also have the option of deciding if she wants to continue in the marriage or not?

It's time you re-evaluate your life and PAUSE. Take a wise decision that is good for you and your life in the long-term. Riding on emotions mindlessly only means anyone can take advantage of your vulnerabilities and 'use' you which obviously will not feel good at all. So, be wise...

All the best!

..Read more

Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 22, 2024

Asked by Anonymous - May 16, 2024Hindi
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Hi Anu...I was in relationship with a girl who is much younger [14yrs] than me and I started loving her. We met sometimes back in 2017 like a stranger and then from June 2022, had a deep love and physical relation with her. Initially she showed off friendship, Love and then she only proposed to get physical and started demanding money every time. In the last 2 years almost 3 Lakhs have given her and suddenly I stopped giving her money being realized that she is cheating on me. She is beautiful & smart and that's the reason I started loving her as stranger. Off late , she told me having break up with her EX whom she had in relationship for 3 years. Now in Feb 14th Feb , she got court marriage with someone and now living somewhere in Hyderabad. I am married and having daughters. When I asked for my money I gave her , she is straight way denying and now she couldn't recognize who I am. She has blocked me from WhatsApp & Facebook and could not answer my text. She threatened me last week that If I send her text she will share it with my daughter on Facebook. I have arranged some of her friends nos. and facebook friends details. I am very sad and depressed remembering all the times spent with this girl for the last 3 Months. Please suggest me if I tell all these to her friends??? or what should I do ??? It is easy to forget, you will suggest ..but very difficult for me as I am very depressed now. I have all chats details with her and her Father address also. Should you suggest If I tell her fake / fraud face to her friend & family?? Please suggest! Thanks !
Ans: Dear Anonymous,
Well, I haven't even begun to say anything. You can choose to continue with her but how are you going to be sure of the fact that she is not using you.
She's going back and forth and using push and pull which keeps you engaged and then pushes you away! Plus you are married and so is she and then she threatens you. What more proof do you want that she can bring on a lot of trouble? Do you need to see it written on a billboard for you to believe? Stay away from exposing her as she can do the same and then it gets ugly...move on...find a purpose that makes you happy and shift focus from being used to being useful...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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I am an NRI with an NRO trading account through Zerodha, but I cannot trade in F&O and Intraday. I have been filing my returns consistently though I have had no income in India in the last 10 years. But I have investments in MF, PPF, NPS, Medical and Life Insurances, ULIPs which were initiated while working in India and had tax saving options and it is being continued. I would like to trade in F&O and Intraday. My wife is not employed till date and has a regular savings account with the Bank which is Resident Indian normal account. She has never filed any IT returns since as there was no income and transactions from my side were only for family maintenance. My question is, can I open a regular trading account in her name so that we can do trading in F&O and Intraday? What are the necessary things which I need to follow for filing IT returns and how my investments can be helpful to file returns through her account. She doesn't have any investments except LIC & Health Insurance policies in her name for which I pay from myside.
Ans: Yes, you can open a trading account in your wife's name to trade in F&O and intraday; however, there are a few important considerations:

Steps to Open a Trading Account:
Convert Savings Account to a Trading-Compatible Account: Ensure her existing bank account supports trading transactions. If not, convert it to a trading-compatible savings account.
KYC Compliance: Complete her KYC process with updated details, including PAN, Aadhaar, and a valid address proof.
Link Demat and Trading Account: Open a Demat and trading account in her name with a broker that supports F&O and intraday trading for resident individuals.
Nominate a Separate Source of Funds: Ensure the funds transferred to her account are not directly linked to your NRI account to avoid legal and taxation issues.
Tax Implications:
Income from Trading: Any income generated from trading in her account will be considered her income. Since she has no other sources of income, her income from trading may be taxed as per the slab rate applicable to her.
Gift Declarations: Funds transferred to her account can be considered a gift. Gifts from a spouse are exempt from tax, but the income generated (through trading) will be clubbed with your income under Section 64 of the Income Tax Act.
Filing IT Returns:
She will need to file her own ITR if her total income (including trading profits) exceeds the taxable limit (Rs. 2.5 lakhs for individuals below 60).
Any clubbed income will still require an ITR to declare the source and details.
Investments for IT Filing:
Investments in her name (e.g., LIC and health insurance) can help:

Claim deductions under Section 80C for LIC premiums.
Claim deductions under Section 80D for health insurance premiums.
Alternative Suggestions:
Joint Investments: Instead of opening an account in her name, consider using investments in her name (LIC, insurance, etc.) to improve her financial standing without additional compliance.
Professional Advice: Engage a CA familiar with NRI taxation and clubbing provisions to ensure full compliance and proper structuring.
If you'd like detailed help with tax planning, compliance, or investment strategies, let me know!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment.

...Read more

Kanchan

Kanchan Rai  |496 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

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hi sir im in a relationship with a guy who i met in hyd we have been together since one year he is a hindu nd im a christian we both love eachother and wanna marry but my parents r against it bcoz he comes from a hindu family and they r forcing me to get married to a christian guy i love him i never got love from my parents when he is giving me the love i want my parents have seperated me from him im not able to understand what to do plz help
Ans: Dear Niveditha,
It’s important to start by having an open and honest conversation with your parents. Try to understand their concerns and share your feelings with them. Express how much this relationship means to you, focusing on the love, respect, and support you and your partner share, rather than just the religious differences.

If this approach doesn’t work, consider involving a trusted family member, friend, or community leader who might help mediate the situation. Sometimes, having an external perspective can help bridge the gap between differing viewpoints. You should also reflect on the long-term implications of your decision. Think about whether you’re ready to face the potential challenges of a mixed-religion marriage, including societal pressures and family dynamics. Having in-depth discussions with your partner about these issues is crucial to ensure you’re both on the same page.

If your parents remain opposed, you may need to consider seeking counseling or therapy. A counselor can help you process your emotions and provide strategies for dealing with family conflicts. They can also offer guidance on how to communicate more effectively with your parents. Building a support system outside of your family, whether through friends, mentors, or support groups, can also be invaluable during this time. It’s important to have people who understand and support your decisions.

Ultimately, the decision about whether to continue with your relationship despite your parents' opposition is yours. You’ll need to weigh the emotional and practical consequences, including the possibility of estrangement or ongoing family conflict. It’s vital to prioritize your happiness and well-being. If you believe that your relationship brings you genuine love and fulfillment, standing by your choice is valid. However, be prepared for the challenges that may come and have a plan in place to manage them. This is a deeply personal decision, and whatever path you choose should align with what feels right for you and your future.

...Read more

Kanchan

Kanchan Rai  |496 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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URGENT Hello kanchan ma'am Please help. I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.
Ans: start by having a direct and open conversation with your prospective partner. It’s crucial to clearly communicate your feelings about the elder child staying at home, especially regarding the need for privacy and the impact of his aggressive behavior. Explain how this change affects your comfort and daily life, emphasizing the importance of maintaining a harmonious living environment.

In tackling the privacy issue, consider discussing potential adjustments to the home’s layout. Creating separate living spaces or setting up rules that establish personal boundaries can help ensure everyone feels comfortable. Developing a routine that allows for private time with your daughter will also be essential in maintaining a balance.

Regarding the transition to a small town, research the local job market thoroughly. Look for opportunities that align with your career goals and consider remote work options if they’re available. It’s also important to engage with the local community to build a support network. Attend community events, meet potential neighbors, and get a feel for the town’s environment. Having a backup plan, such as maintaining connections in your current city or setting aside a financial cushion, will give you added security should the move not work out as expected.

Blending families is a significant emotional and practical challenge, so consider family counseling as a way to address potential conflicts and improve communication. A counselor can provide valuable strategies to help everyone adjust to the new living arrangements and understand each other’s perspectives. To ease into this change, propose a trial period where you can test the dynamics without committing long-term right away. This will give you the opportunity to evaluate how well you and your daughter adapt to the new situation.

Lastly, it’s essential to address your fear of being alone. Reframe this fear by focusing on the positives of independence. Remind yourself that it’s better to be single and emotionally secure than in a relationship that feels overwhelming or stifling. Use this time to invest in personal growth, hobbies, and building a fulfilling life for you and your daughter. Keeping an open mind about future relationships is healthy, but it’s important to ensure any new partnership aligns with your values and meets your emotional needs.

By taking these steps, you can approach the situation with clarity, ensuring that any decision you make is grounded in what’s best for your well-being and that of your daughter.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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