To think this was a bit naughty of dh

[Hotfluff]

hi, so I am a little annoyed with DH today. We are about to start some work on our house and over the weekend we have been discussing the way that we are going to finance it. Rather than wipeout our savings we decided that we are going to use, an interest free credit card which we will be able to pay fairly quickly. The total amount that we need is 8k.

DH works from home and has some flexibility today, so he said that he would sort it out at some point today. At
lunchtime, I had an alert from the credit reference agency that I use. It was telling me that there had been an application for credit. Just afterwards DH called me and explained that he had been able to get the full 8K in his name but had been able to get 4K interest-free in each of our names. No, I know that we are married and that the money is being used for our home, however I would have expected him to have told me before applying for credit in my name. To be clear this has never happened before and neither of us have any other debts apart from this new application. he apologised but said that he really didn’t see any issue as we had discussed that we needed the money and that we were going to borrow it using an interest free credit card. He said that he never for a moment thought I would have an issue with it, but that he will never do it again with asking.

Would you be as unhappy as I am in the scenario, or am I overreacting?

You discussed it, he said he'd sort it today, you said ok. So he sorts it today and now you are upset, what were you expecting him to sort exactly?

It's fraud. You cannot take out credit in another person's name. It really is that simple.

If my DH couldn't get us a joint (or just for him) interest free credit card for the full amount, I would expect him to discuss with me the alternative ie that we both submit our own applications for £4k. I would not expect him to commit fraud.

TBH I'd be glad my OH had used his head and got 4k each rather than wasting time checking with me. The alternative was to pay interest on the other 4k and i'm sure you wouldn't have wanted that.

I'm surprised he could do it on your behalf but from what I understand he has just applied for a credit card in your name so hardly a big deal?

At last! Someone else who agrees with me.

This wouldn’t bother me at all. It’s for an agreed shared cost, he’s told you he’s done it. I don’t see the problem.

I probably would have appreciated a quick call/text to clear it with me first
but...
seriously did you expect him to shoulder it all? Seems unfair considering it's for joint spending

I agree.

Wouldn't have even crossed my mind that this was a problem.

I think that might be illegal.

My now ex h opened all sorts of accounts in my name. I never knew. Fucking twat. Stole from me and therefore his kids.

I would go nuclear but then I take zero shit now.

And "bit naughty" is embarrassing.

Its entirely possible to apply online if you have someones personal info.
I did it for DH once (with his full knowledge and permission), he didn't even ahve to sign anything

I'd feel the same as you OP but he's apologised, you've no cause to believe it's an empty promise because there's no history of shady shenanigans from him, so I'd accept his apology and let it go. It sounds like a genuine mismatch in beliefs leading to a mistake and now it's all laid out in the open it shouldn't happen again.

Duplicate post

So you had jointly discussed the work and how you were going to finance it but you seem to have thought because he had the free time to sort it all the debt should be in his name?
He didn't go behind your back and now if anything goes wrong you are equally liable for the debt sensible imo

I think that when you and your DH discussed this loan you probably assumed that he would sort it out in his name rather than yours.
It probably came as a bit of a surprise to you when the credit card company called?
Probably seems like something underhanded but of course it wasn't because you had agreed that you needed to borrow the money you just probably didn't think it through that he would be applying in your name for half of it.
And that's why the credit card company called you.
However like most of the PPS above me, you were aware that the money had to come from somewhere and you were okay with that, I just think that you were upset by having the card company call you perhaps.

So he could get 8k joint or in his name only.

But you have an issue with getting 4k in each name

I'd love time to worry about a DH doing something we'd agreed to do!

I do get it. I'm assuming the plan was originally for DH to apply for one credit card in his name?
I would probably be a bit put out if DH had applied for credit in my name without a little heads up first, but at least he has gone 50/50 with it. As you have no other debts, it's no harm done. Sounds as though DH has learned his lesson and will check in with you first next time too.

Do you take out personal loans in his name as well?😂

There is no such thing as a joint credit card account, so not sure how you're planning on repaying this debt, as both cards will need paying off monthly.

This is the most baffling thing I've seen on Mumsnet in ages. Seriously most of you would have no problem with your husband fraudulently pretending to be you and applying for a credit card or loan in your name?

Quite. What he has done is fairer, actually. That said, he should have waited to have you apply yourself.

If we agreed prior that we would be taking out a loan, then yes! And he’d be fine with it, because we already agreed. If he got mad, then the assumption is he only agreed for me to take on the debt? Which would be messed up.

I would rather do things like this myself

But I wouldn't have a conversation about DH doing it and then be surprised that he did it.

But everything in your OP says 'we'?

"Rather than wipeout our savings we decided that we are going to use, an interest free credit card which we will be able to pay fairly quickly. The total amount that we need is 8k"

He sorted it as 'we'
Did you actually want him to have all the debt in his name?
And you're married so everything is joint anyway...?

I wouldn't care in the slightest if DH did this. Although actually I do all the money stuff - so it would be the other way round and he wouldn't care either!

I've done 4 remortgages in joint names this year - he never even looked at them - just said to crack on