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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Aibu - debt?

38 replies

Dall · 08/11/2024 18:41

Paid off partners debt when we moved in together, £62K, 3 years ago. On basis no more loans/credit cards

recently found out he is £20k in debit now. Some from before most from after. I insisted on seeing credit report as I am about to get sale proceeds from property and want to know what situation is. I feel bit repulsed and insulted this has been allowed to happen. But I am debt avoidant and I guess lucky I have been able to.

Aibu for not feeling able to get over this? For not being able to accept he struggles to discuss money which is compounded as we have not been getting on. Been in counselling for a year. Has lied about debt there.

I stupidly started vaping to deal with stress (yes I know it doesn’t) and have snuck in the loo at home and not told him. He is equating the two. Is it the same? I feel emotionally burnt out and not sure what to think anymore. Please be gentle. I am aware vaping is stupid and hiding stuff is a bad bad sign in a relationship but I’ve lost perspective and don’t want to disclose debt to anyone we know to discuss in person.

yabu - £20k not much for 3 years when starting a business/He cannot discuss money, you cannot discuss vaping so you both need to sort yourselves out.

yanbu - it’s a lost cause all round.

OP posts:
LondonQueen · 08/11/2024 19:32

You gave him 62K, that's massive! I'd have run for the hills long ago. He is either totally reckless or had some pretty unfortunate circumstances. I'd bargain on the first one.

DoYouReally · 08/11/2024 19:24

So when do you max out? When it makes it €100k, €125k, €200k.

Clearing his debt the first time, while naive and stupid, was a mistake. You can even say blinding by love.

Clearing it a second time, would be stupid beyond belief. Your eyes should be wide open this time.

Cut your losses now.
Fool me once, shame on you.
Fool me twice, shame on me.

caringcarer · 08/11/2024 19:21

You bailed him out once because you love him. How has he repaid you? He has gone behind your back and run up more debt. Is he a gambler or drug user? Why does he spend so much money and hide it from you? I'd not give him a third chance to run up debt he probably expects you to pay off again for him. I'd be showing him the door because he's disrespectful of you and hides things from you. How on earth are you supposed to trust him for a third time? You can't really can you? Sometimes love is not enough without respect and mutual trust. He won't make you happy because you'll always be thinking is he running up more debt?

TreesWelliesKnees · 08/11/2024 19:21

I couldn't get over this. 62k is a huge sum to most people, and then for him to go and rack up more is unforgivable. I think you need to disentangle yourself from this man. Do you live together? Don't pay off any more debt. Try to work out why you bailed him out the first time. Protect yourself.

Dall · 08/11/2024 19:15

@Chowtime @GrazingSheepy honestly not. Naive maybe. Trust someone you love dunno. As I said I am here to get some perspective. I have some of the £62k covered in the house we jointly own but not all by a long shot.

OP posts:
Sparklfairy · 08/11/2024 19:14

Your mistake was paying off over 60 grand of his debt. I'm astonished.

You've set a precedent now. In the back of his mind he thinks running up debt doesn't matter because you'll swoop in when it gets too much and pay it off.

GrazingSheepy · 08/11/2024 19:12

@Dall
Chowtime means are you so desperate to have a man that you will put up with anything?

Dall · 08/11/2024 19:09

Chowtime · 08/11/2024 18:58

Jesus you must be desperate

@Chowtime ?

OP posts:
Boobygravy · 08/11/2024 19:00

Surely you mean ex dp.

Chowtime · 08/11/2024 18:58

Jesus you must be desperate

missmollygreen · 08/11/2024 18:56

Vaping is repulsive. But it is not the same as building up 20k debt after being bailed out by your partner.

It is a lost cause. Any chance he would repay you the 62k?

2024onwardsandup · 08/11/2024 18:52

You’re lucky you could give him £62k?

you won’t be seeing that back

he won’t change. Protect yourself. And work out why you would put up with his

Vaxtable · 08/11/2024 18:51

I hope you are not going to pay it off. His debt he sorts. But it would be a dealbreaker for me and he would be on his way. He’s lied to you

pretty sure you will find vaping stops once he is gone