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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Husband loaning me money and expecting gratitude..

290 replies

Lindasllama · 13/07/2022 16:16

Big row with H (not at DH atm !)

At the end of last month I mentioned I had just had my car cleaned.and noticed a few scratches on it. H said take it to Johns garage and he will sort it out. I said ok I will get a quote and go from there.

'John' is a good friend of DH . Two days later he tells me he has had a word and to take the car to the garage. Where one of the panel beaters would have a look at it and tell me how much.

I arrived at the garage meeting DH there and the panel beater had a look at the door and said £200.. I said there is also a scratch on the wheel arch .. he quoted £250. I thanked him and said I would be in touch soon as it's not in the budget this month but could possibly be next month depending upon increased bill costs.

DH joins the conversation and says 'what about this one on the boot and a couple on the passenger side . (These scratches are v minor the sort of thing you get around my way when you pull in next to a hedge on a small lane to let a car pass you.. ) really superficial - nothing that's going to cause rust etc .

I say to DH that it's not in my budget to have it all done as I can't afford it and there are many more bills and expenses ahead of polishing my car.

DH says 'don't worry about the money' just get it done. He then asks the panel beater how much for the whole thing ? I interrupt him and say 'it's not doable at the moment I'll do it but by bit when I can afford it. I need to get to work now ' Again DH says 'don't worry about the money just do it'

I jump in the car and drive to work. 5 minutes into he journey DH rings and says 'just text 'John' and say you want the whole lot done I will sort out the money. I say thank you. Text and book it in.

Yesterday I went to pick it up. The price was £350. DH gives me the cash and asks when am I going to get this back ? You need to tell me the repayment plan. I am furious as I didn't want it done now as I can't afford it. !! I am so hacked off with him. He is fuming with me because I am ungrateful..' I did a nice thing for you - I know how much you love your car - you are so rude and ungrateful !

I tell him I have nothing to be grateful for. If he had paid as an act of generosity then absolutely ! Extremely grateful. But in my eyes he has simply moved a debt from the garage on to me for something I didn't want to do now. I couldn't afford the work when it was £250 let alone £350 I only agreed to do it because he was so insistent. !!

Some important information. We have not only separate finances but also live in separate houses. We are 12 years married and in separate homes for the last few years. It may sound strange but works for us. We stay with each other 3-4 nights a week.

DH has always been very secretive with money . I also now think he was just showing off in front of his mates . Looking to be the benevolent husband paying for his wife's car..

AIBU to be really angry to have a debt I had already said I couldn't afford foisted up me

Or am I an ungrateful cow who now has a lovely shiny car but may not be able to pay all my bills next month .- which is my fault for not nailing him down at the time and getting 'don't worry about the money' clarified from the start. ?

OP posts:
violetbunny · 13/07/2022 18:25

Have you ever had counseliing OP? I can't understand why you would let someone treat you like this. I'm not even talking about the car, I'm talking about your overall living situation!

forrestgreen · 13/07/2022 18:25

I'd say I only agreed to the work at £250 you said you'd sort it.

I'd pay back £250 at a rate you're happy with and the £100 he can sort!

jane1956 · 13/07/2022 18:28

fiddle going on here 3-4 night together what is being claimed in benefits?????

MrsHound · 13/07/2022 18:30

He sounds like a catch not. How do you know he hasn't got a will? I wouldn't trust him as far as I could throw him. You are a convenience to him and that's sad

antelopevalley · 13/07/2022 18:30

I would tell everyone you know what DH has done. You can tell them in the guises of asking "advice".
What he is doing is wrong and he will not want others to know because he knows it is wrong.

antelopevalley · 13/07/2022 18:31

@jane1956 OP says she has a good job. Not everyone gets benefits.

ReneBumsWombats · 13/07/2022 18:35

I can't see the point in being married to someone who won't live with his family, is secretive about money and gets you into debt without your consent.

Anxiernie · 13/07/2022 18:37

Hmmm. Personally I'd rather owe my H money and just pay him a minimal amount each month rather than have to find the money to pay for car myself.

So I'd rather pay my H £50 a month and have had the car fully done for £350, rather than pay the garage £250 off the bat.

HOWEVER, it does sound like he was pushing you in to it and wouldn't take no for an answer. He should have offered to pay for it but made it clear that it was a loan, not him paying it.

When you said no, he should have respected your decision. He is trying to show off to the John!

Withthewind · 13/07/2022 18:40

I had a very very similar situation with a parent… we don’t talk anymore because of it

tomatopsste · 13/07/2022 18:42

Living apart clearly doesn't work for you, the marriage is not working at all!

Odd!

tencent · 13/07/2022 18:46

How condescending @violetbunny . You are suggesting that the OP is in need of counselling because of her choice of living arrangements. Is your view of life so narrow that you cannot conceive of someone opting for a set up outside of the norm? I happen to have the same set up with my husband, simply because it suits us and we are very happy together. We are no less married for having an unconventional living arrangement. Marriage is what you want it to be, not a societal norm that everyone has to abide by for fear of being judged as needing counselling. What a boring and regressive place the world would be if this were the case.

ReneBumsWombats · 13/07/2022 18:48

If you don't share finances, information about finances or even a home, why are you married?

LaughingCat · 13/07/2022 18:48

Gawd, he’s dropped a clanger here! Been a prize pillock. I hope you’ve managed to sort out a repayment plan that fits you! (Preferably mostly his gift given he said not to worry about the money). Your living arrangement sounds ace as well, if it works for you. The thought of not putting up with the snoring and dirty boxers on the floor sounds flipping wonderful 😂. We live in the same house but have separate finances and mostly sleep in separate bedrooms too…it’s a complete relationship saver for us. Love my OH dearly but love sleep more!

Newmumatlast · 13/07/2022 18:48

Dont pay him. No contract to. What will he do, sue you? He has no basis to.

00100001 · 13/07/2022 18:49

Who has to pay their husband back???

What nonsense. Married money is shared money

Sswhinesthebest · 13/07/2022 18:50

Are you going to have a chat with him?

BellePeppa · 13/07/2022 18:55

If be furious too. Pay the £250 and he can sing for the rest.

alphons · 13/07/2022 18:55

He’s blurring the lines of your marriage.

Separate lives seem to work for you, and you both seem to enjoy the advantages.

But with this stunt, he’s treated you as his appendage, there to make him look good, the big I Am or whatever. That’s not the type of wife you both are otherwise happy for you to be.

superplumb · 13/07/2022 18:56

Repayment plan? He sounds like a tool. Tell him to sod off. Not my business but youre married and hes lending you money??

Longdistance · 13/07/2022 18:58

Pay him 1p a day. It’ll take neatly 100 years to pay off 😂

Make the separate houses permanent. Why does he think he can make decisions for you?

CactusBlossom · 13/07/2022 18:59

What a cheek! I'd be inclined to take a leaf out of Lysistrata's book. No more 3 - 4 visits a week. Be too busy. Payment plan! I've got steam coming out of my ears! Tell him you know he doesn't like to talk about money. Give him a tenner's worth in 2p pieces on birthdays and Christmas. Let him do the worrying.

antelopevalley · 13/07/2022 19:02

Be careful about paying anything. If you pay anything you are showing you accept it is a debt. I would not accept this is a debt. He paid and said he would pay. It is nothing to do with you and you owe him nothing.

ReneBumsWombats · 13/07/2022 19:02

Oh, sex. That explains it. I have to assume he wants it because I can't imagine his behaviour turning on any woman.

coffeecupsandfairylights · 13/07/2022 19:04

Lindasllama · 13/07/2022 18:03

Absolutely. He owns and doesn't have a will. I rent. My job comes with a very good pension but the lump some is willed to the kids. If I die first he will get a spousal pension. If he dies first I get his flat (worth £250 k so all mine under intestacty rules) , and half his occupational pension and the secret hoard of money 💰 If there is one.. who knows . It's a secret !

Do you not see how messed up this is?

Inertia · 13/07/2022 19:09

No, don’t pay anything. He couldn’t bear to look tight in front of his mate, but he can’t bear to spend the money. Anybody would read that as a gift, not an agreed loan.

I’d sooner spend the money on a solicitor and tell H to take it to small claims court.