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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Husband secret debt

186 replies

Headspinning188 · 13/11/2020 18:57

Hi, thanks in advance for reading. Last week, it came to light that my husband has hidden around 70k in debt from me (gambling addict). I had no idea and the shock has hit me like a train. I discovered this by opening a letter as I had a niggling feeling something was wrong when lots of post was starting to arrive. He claims he has been trying to tell me. Since this revelation, my husband claims to have told me everything. That he already has started the process of setting up a debt management plan to repay it (this will take multiple years), that he will easily be able to afford the repayments etc. This being because he had also lied about his salary to me, with him receiving substantially more than he told me. He has stolen all our savings to fund his habit.He has also borrowed substantial amounts from family members under false pretences. The lies and deceit are obviously huge. We are talking 10+ years here of deception. He is full of remorse and has passed everything over to me, including all.his banking details and credit files.Thank god, he has been paying the mortgage and none of the credit is in my name. We have a child together. Husband is a good father and has been a good husband on face value! My husband has promised me that I will be able to take the equity from our house sale to enable me to buy a property for my child and I. I will be able to afford this on my salary, just. What I'm asking really is do I walk away knowing that my son and I will be financially safe although lonely and less well off. Or do I stay, knowing that the debt is hanging over us and always having that feeling of distrust regardless of whether I have full control of all the finances. I'd really value some impartial opinions. Many thanks.

OP posts:
sunsalutations · 14/11/2020 14:32

This happened to a close friend of mine. The husband asked her to take control of all his and the household money, which she did, including his salary into her bank account and signing over the mortgage to her. He got rid of cards and took a small allowance. It was about £10k debt. She was reluctant but I said you are honest and if you ever split, you would give him any money and equity due.
That gave him time and space to recover and get back on his feet again.
It's not always a black and white LTB. Mumsnet folk can be very quick to jump to that. He must have been going through hell trying to hide that as it escalated. Admittedly, totally irresponsible, but it's a horrible addiction

SBTLove · 14/11/2020 14:37

Do not think for a minute he can’t get money now you have access to his finances; online bank account, new loans; all done online.
He’s telling you want you want to hear, he can’t and won’t stop overnight.
Leave and don’t look back, my DF lost our house when I was 10, divorce swiftly followed and he carried on gambling and hasn’t been in touch in 30 years, the addiction always rules.

PearlclutchersInc · 14/11/2020 14:38

Take the money and run before something else happens.

YoniAndGuy · 14/11/2020 14:45

@Headspinning188

He says that now I have control of everything he cant gamble even if he wanted to as I could question any anomaly in his account. He says he can't get credit because I have his credit file and no one would touch him because of what's happened. But I just dont know what to believe anymore as I cant trust a word he says right now. I feel constantly sick, it's really horrendous.
This isn't true. There are always ways and he will take them no doubt about it. You've already seen the depth of deceit he is willing to go to and the level at which he utterly discounts you as a person - he's made you live a lie for years and the only reason he's 'stopped' is because he was found out. Not out of respect or love for you because he has none. As others have said, there are SO MANY ways to wangle credit - he can and he will.

So you must must get rid of him financially or you and your son are absolutely fucked.

As has been said above, you can separate this from the actual relationship. You NEED to divorce, sell the house, or get it in your name, whatever. That doesn't necessarily mean that your personal relationship and parenting has to be severed. People work around these situations in all sorts of ways. So, you know, if it's easier, you can park all that for now. You don't have to decide what sort of relationship you're going to have now, while your head is spinning. With luck, your H might be persuaded that the only way you are prepared to even contemplate an ongoing relationship is if he's willing to protect you and your son from his addiction by agreeing to a divorce and your taking sole ownership of the house.

SBTLove · 14/11/2020 14:46
  • Dopeyduck Controversial but I could forgive this if he’s otherwise a good man* I think the fact he’s lied and deceived his wife, put their security at risk outweighs otherwise a good man! a good man doesn’t do this to his family. What? if he does housework, plays with the kids that’s ok never mind the lies and debts!!
AcrossthePond55 · 14/11/2020 14:49

@hereyehearye

THE SOLUTION IS TO FINANCIALLY SEPARATE BUT STAY IN A RELATIONSHIP.

Look, I don't think you have to end the relationship but you can't stay together with this hanging over your head. So divorce. Divorce and stay co habiting. If he chooses to gamble, it's not on you! He takes responsibility for himself (rather than you becoming his jailer) and you have financial security. It's a win - win!

Look, gambling addicts aren't evil but they are addicts. I have no issue with someone giving an addict a chance but you have reduce the risk of being hurt. You 100% have to get divorced. I know a couple who are not married for similar reasons and they are happy.

Get divorced but stay "married". You don't even have to let people know widely. Hell, people do this all the time to protect assets in case of criminal fraud.

I cannot stress this enough: decouple divorce from ending the relationship. Get divorced but stay together and see if you can forgive him. If you can, great. If you can't, you tried. But don't give him the power to ruin you financially.

It's not working for our friend's parents. He bullies her and harasses her for money. She worries constantly every time he leaves the house because she's sure he's going to the casino. She is also bearing the costs of running the household (including his food and running his car) because every penny he has goes in the slots or the craps table.

It's not just the financial safety aspect of it, a carefully crafted divorce takes care of that, sure. But it's the continuing emotional and financial 'investment' in a person who is not truly invested in the family.

CaffeineInfusion · 14/11/2020 15:01

I started divorce proceedings because it was the easiest way to separate our finances. We were that close to losing our home due to his debt, similar amounts to yours, and I was not prepared to put my children through that.

The lies and depths of his years of deceit came out later.

Put your child first. One of his parents has to.

popsydoodle4444 · 14/11/2020 16:09

I hope you've got a good solicitor.

I'd be asking for a larger share of the house due to him spending the half of the savings you were entitled too.

StartingOver2020 · 14/11/2020 16:22

I had a similar experience 20 years ago. I can still vividly remember the gutted shocked feeling.

ilikefastcars · 14/11/2020 23:24

Don't walk. Run. Very fast. There will be more secrets and debts to come out of the woodwork!
Get some security for your children/child

Graphista · 14/11/2020 23:29

Actually spending addiction is a recognised addiction, not yet widely so in the Uk but it is.

One of my addict relatives this is their addiction and they get regular counselling and their partner is in charge of finances

@Terriblecreature without wishing to make you feel worse I think it's important to acknowledge - as you do - that your behaviour was unacceptable and that you need to address it as an addiction imo

@kavalkada I was hoping someone with your experience would come on, excellent post

and thinking he can do this without any professional help and no slip ups is just naive.

I would and do regularly say on here that this is true for all addicts.

All the addicts I know the ones who have achieved and maintained long term sobriety have done so by accessing support - how that support is provided varies but all have made their gps aware, and all use support groups and in the first stages had professional therapy. The ones who haven't achieved long term sobriety and are either active addicts or regularly relapse have tried to do it alone - this ime signifies that they're actually not ready and willing to attempt to achieve sobriety. One has by circumstance had sobriety forced on them (their addiction has physically incapacitated them to the point that they cannot access their addiction) and that's a whole other ball game! "Dry drunk" syndrome - something you may care to research op as it doesn't just apply to alcoholics, just as "sobriety" in this context doesn't.

He says that now I have control of everything he cant gamble even if he wanted to as I could question any anomaly in his account.

You appear to have not been reading your own thread!

He could:

1 Use the card on that account to buy scratchcards/lottery tickets at the supermarket or indeed simply request cash back and use that money to gamble. It would only show on the account as the supermarket name

2 He could borrow from others as you've already said he's been doing, and that could well include loan sharks

3 He could ask his boss to pay overtime or bonuses in cash

4 He could sell things or plain con people

5 He could open accounts and get credit cards and loans you know nothing about. Indeed if he knows you're keeping a close eye on things this could well tempt him into the borrowing from loan sharks

6 He could steal and sell those items.

7 He could steal from work (plenty of news articles on gamblers who've done this)

8 He could write bad cheques/alter cheques paid to him - old fashioned but still possible, some companies when you transfer to a different supplier eg for energy will send any outstanding credits out in the form of cheques, he could switch your suppliers without you knowing and run up debt with new suppliers etc

And that's just off the top of my head!

But I just dont know what to believe anymore as I cant trust a word he says right now

that's more sensible thinking

@Iminaglasscaseofemotion Why on Earth are you still with him and putting up with this and putting dc through it?!

@sunsalutations I don't think 10 years of lies, theft and conning the op means advising Ltb is too strong or too hasty here - indeed I've yet to see an example of this claim on mn and when posters like you are asked to provide them they either go silent or make ridiculous suggestions! In most cases by the time ops are posting on mn things are already pretty bad!

isitsummertimeyet · 15/11/2020 00:11

what happened to the wedding vows for better or for worse?

I think sometimes people get married and dont mean the vows they actually take regardless of being religuous.

You say hes still a good dad and husband but he has an addiction, that hes now finally admitted too which is the hardest part.

You control all aspects of the finances, let him sort a debt management programme, get the house in your name if needs be so your financially secure..

Too many women on here too quick to say LTB because they are happy being single and cant stand others being together, your heart will tell you the right choice, it has to be for you and your boy ultimately though..

good luck in the decision x

PumpkinCheater · 15/11/2020 00:27

I wouldn't be able to trust him, and I wouldn't be able to live with someone I didn't trust.

echt · 15/11/2020 01:16

what happened to the wedding vows for better or for worse?

Maybe they didn't take those vows

You say hes still a good dad and husband but he has an addiction, that hes now finally admitted too which is the hardest part

He lied for ten years, so lied as a dad and a husband. He did not admit, he was found out. Read the OP.

Krampusasbabysitter · 15/11/2020 02:20

Don't just walk away - RUN! Now you still have a chance for a decent life and a roof over your head. He can still play and do stuff behind your back. Don't believe his contrite stance right now. Get everything in writing and locked down totally because - Newsflash - addicts lie and cheat. Once you have left and your finances are totally disentangled then leave him to work out his debts and deal with his addiction. Don't get sucked into carrying this stress on your shoulders!

Krampusasbabysitter · 15/11/2020 02:22

@isitsummertimeyet OP's husband lied, cheated and stole from his wife. He is the one who broke those vows. Way to undermine the victim in this whole shitty situation!

katy1213 · 15/11/2020 02:30

Protect yourself and get out while you still have a roof over your head.

MustardMitt · 15/11/2020 02:42

I haven’t read all replies so apologies if this has already been said.

I know you have already run credit checks but I would also recommend a CIFAS note on yours and maybe even your son’s file. This means any attempt to get credit under your names will have to be checked - it’s an added pain in the arse for you, but it is simple as anything to complete a credit card or loan application online and never mention it to the other party.

If he’s got a debt management plan he won’t be able to take credit out in his own name, but (unless I’ve missed it) he doesn’t actually seem to think there is too much of a problem - he hasn’t mentioned gamblers anonymous or counselling? Or signing up for that programme that blocks all gambling sites on your IP address?

Either way, gambling is notoriously hard to quit. I worry that you haven’t considered all the other ways he could fuck you up now he’s sorted himself out right before it got too serious.

Good luck whatever you decide.

Headspinning188 · 15/11/2020 06:22

I so appreciate all of this excellent advice. I have a meeting with a solicitor tomorrow. Divorce and consent order asap so I have no more worries that my son and I will be homeless. I will be able to afford a nice home for us both and I have wonderfully supportive family and friends. Like many of you said, the feeling of worry and dread is making me feel seriously unwell. I cant live like this. I have a secure, professional career and have and will always put my son first so I can do this!

OP posts:
Rainbowqueeen · 15/11/2020 06:26

Good luck OP
You are doing the right thing.
Best wishes to you and your son

forsucksfake · 15/11/2020 06:33

Stay strong, OP. You really don't know this person you married. Get out while you can.

Blurberoo · 15/11/2020 06:45

Good for you, OP x

Therealjudgejudy · 15/11/2020 06:59

The best advice I can give is Never trust an addict. The only glimmer of hope for your relationship is if he puts himself into a treatment program straight away. Gambling is one of the hardest addictions to overcome

You need to put you son and yourself first as a priority.

ByebyeOcado · 15/11/2020 09:28

F.

PrincessForADay · 15/11/2020 12:06

You're doing great right thing. He has destroyed your family & broken your trust

Stay strong & protect yourself & DS

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