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?

It's fraud. He took out a loan in your name.
What's to stop him doing it again?

Everyone who is saying this is fine, if problems arose where the finance firm investigated then her DH would be charged with fraud and could go to prison for it. It doesn't matter if OP agreed, OP needed to be the one who did it, otherwise it could also fall under coercive or financial control. Both of which are crimes that could involve prison sentences in their own right.

Where an action could involve a prison sentence that should give you a clue it is not a good thing to do as it's against the law.

So you wanted him to take on the full 8k debt for your shared home? I think he's probably better off without you if that's your attitude

In a situation like this where we’d agreed it in advance then, no, I really wouldn’t have an issue. All our finances are shared - savings and debts. It’s totally different from him just deciding to open a card for no reason. They’d agreed as a couple they’d take on the debt. Why does it matter whose name it’s in? I’d just be grateful not to have the admin!

What? Presumably they're planning on repaying it the same way as they were planning to repay it if it was 8k on one card...?

They discussed taking on this debt. He's not going to go to prison. Calm down😂

You can not be serious.

No one would go to prison for this.

Well no, I highly doubt he would. Most paedophiles and rapists don't get prison sentences either but it doesn't mean it's not against the law. I'm surprised none of you are using your brains though.

I challenge you to find a case where this has actually happened.

Someone who did a credit card application with the reasonable belief that they had their spouse's permission going to prison for it.

Well it is fraud!
It should have been discussed at the time - “I’ll try and get the 8K on one card and if I can’t shall I see if I can get one for each of us at 4K?” - still fraudulent but at least you’d have known about it.
Although if it were us we’d have just used the savings unless they were ringfenced for something else maybe.

Are you always this dramatic?

I think there is a big difference between him taking on a £4k loan without OP's knowledge and opening a line of credit with £4k available which OP was aware of - half of the £8k that OP had agreed he should arrange for the both of them to borrow against.

YABU to use the word Naughty to describe another adult's potentially illegal actions.

Edit- I just realised this isn't AIBU. Sorry.
Doesn't change my mind though.

Totally agree - astonished so many are cool with her husband making a fraudulent application.

How is it dramatic stating it's against the law?

Perhaps I could return your question and ask if you are always so stupid regarding UK laws. But I won't because I'm nicer than you 😇

He put into motion the course of action that you agreed upon. It was a chore, he did it efficiently and effectively. I think you overreacted. I’d have been pleased.

Same.

Even a joint application would be okay but I'd not be happy he had pretended to be me for this purpose.

Guess it depends on how you normally do financial things in your relationship.

It wouldn't bother me in the slightest. But my DH does all our banking/finance related things. DH does it all for me and just lets me know what I need to do to register/approve it or whatever, or when there's a new account number I need to use etc. If that involves him having to pretend to be me 🤷‍♀️ I'd rather that than actually having to do it myself!
So this sort of thing wouldn't even be worthy of a second thought in our household. And I would just be happy it was done without my having to be involved.

However, if that's not the case in your relationship and if this is something you would normally do together then yeah I guess you could be peeved.
But no harm, no foul. What you discussed is done and you know about it now, it's not like he's been duplicitous or secretive about it.

I think the consultation happened when you both agreed you needed to borrow £8k interest free and you both agreed he would apply? I would not in this scenario assume DP was going to be sole applicant.

You wanted him to pay it all in his name, didn't you?

Because it's only illegal on a technicality - they'd already discussed (and agreed) to taking out a loan, it was just her husband happened to be the one who filled out the application, and got them a better deal in the process.

No bank is going to investigate a husband filling out a form on behalf of his wife, fgs.

I'd assume "take care of it" would mean finding the deals so we then could say "okay let's apply" (then discuss who applies for what)

I wouldn't care and my husband has done stuff like this loads of times.

No, I wouldn't have been annoyed at this at all. I'd be glad he was taking care of the admin. He has done exactly as you discussed!

Don’t see the problem. You both own the house? You both want the work done? Why should all of the debt be in his name?