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Partner in blinding debt- what would you do?

64 replies

lipglossandmascara · 18/06/2024 11:11

Been with partner 5 years. We have 1 toddler and 1 baby on the way.

2 years into our relationship and his travel related business fell flat on its face. He ended up owing lots of money and getting deeper and deeper into a rut. He still owes people money- friends, family, work related funds.

He owes me around £10k for me covering his rent numerous times (we've always kept finances separate anyway)

He's a very closed book and won't open up to me if I try to ask/ help. He just shuts it down. Has also lied about finance related things in the past.

I have been feeling like he is getting slowly back on his feet. Work starting to come back in etc etc.

But today I received a message from a work connection of his stating he needs to pay back the 6k owed or legal action will be taken.

I've also read over his shoulder other people asking for money. I dread to think how much he actually owes.

These amounts are ALOT to us. We are not rich people. The 10k he owes me was my life's savings. He has started to pay that back now (only one instalment so far) but it's sporadic and not reliable.

I messaged him to say we need to talk about the situation with this work contact and he said "no we don't because that is business not personal" ... I said "it is personal when I'm being contacted"

I feel so anxious and sick. I know he won't talk to me and I feel like my world is closing in on me right now.

What do you do when you have a partner in serious debt that won't talk about it ?!

Advice please.

OP posts:
Fathomless · 18/06/2024 11:19

brightyellowflower · 18/06/2024 11:14

Who has a baby and a toddler with a man and treats them like they're a roommate? My husband's debt is my debt. Once kids are involved how on earth can anyone say, that's mine!

Not surprised he won't talk to you. You want £10k back off him.

Advice. Write off the £10k (I never ever give anything with the expectation of it coming back) and go together to see Citizens Advice. Help him. Instead of adding to his list of worries.

Op has 2 children and herself to think about. she doesn't need to add to her ro do list by sorting out her partners debts. And not everyone is in a position to write off a 10k debt owed to them. Op I agree with the above poster about issuing an ultimatum.

Idontknowhatnametochoose · 18/06/2024 11:18

Just to clarify my comment was referring to the deleted post, not anyone else.

JoleneTookHerMan · 18/06/2024 11:18

This does not bode well for you OP.

He can't just bury his head in the sand. If he doesn't get professional financial help, this will keep escalating. Are you prepared to maybe one day have the roof taken away from over your kids heads? That's what will happen if he doesn't wake up and act now and it sounds like his isn't even trying to fix it.

For the sake of your kids, consider walking away.

Eviebeans · 18/06/2024 11:18

I agree with bright that you will never see that money again

Eviebeans · 18/06/2024 11:17

There are two very different views posted above
which side do you fall on

Idontknowhatnametochoose · 18/06/2024 11:15

Ignore the weird poster above.

Personally I think I would have to end the relationship. It would be too difficult for me to cope with. It's good you've kept finances separately but you're still bearing the burden of his debt and it isn't fair. You have given him more than enough. I would separate and request a repayment every month, although I don't know of it can be reinforced. What a nightmare. I really feel for you.

brightyellowflower · 18/06/2024 11:14

Who has a baby and a toddler with a man and treats them like they're a roommate? My husband's debt is my debt. Once kids are involved how on earth can anyone say, that's mine!

Not surprised he won't talk to you. You want £10k back off him.

Advice. Write off the £10k (I never ever give anything with the expectation of it coming back) and go together to see Citizens Advice. Help him. Instead of adding to his list of worries.

Noopneep · 18/06/2024 11:14

Is he your partner or are you married? Hopefully your finances are not tied. He needs to look at options such as bankruptcy if he is unable to pay these sums back.

LeavesOnTrees · 18/06/2024 11:14

I would give him an ultimatum. Either he sits down with you and is completely honest about all the debts and comes up with a repayment plan or you split up.

something2say · 18/06/2024 11:14

Hiya - what is your legal connection to him?

ricekrispi · 18/06/2024 11:14

What a spiteful response @JacquesHarlow.

OP, that sounds extremely difficult and I suspect much more informative posts will follow that advise you to split from him and make these problems solely his and for you to focus on your own financial security and the children.

lipglossandmascara · 18/06/2024 11:12

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Thanks for this helpful comment

OP posts:
JacquesHarlow · 18/06/2024 11:12

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

lipglossandmascara · 18/06/2024 11:11

Meant to add the travel business crashed because of Covid.

OP posts: