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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Husband and debt/lies with very recent death of MIL

225 replies

Casuallydressed · 19/02/2024 13:46

This is my first posting here so please bear with me! I’m fed up/exasperated beyond belief with my DH. This unfortunately comes at a time very soon after the death of MIL who had been terminally ill for some time.

Some background. We have 3 DC ages 6,5 and 3 and have been together 13 years. My DH has an addiction to cocaine, spent thousands and used everyday and hid this from me until about 3 years ago. I had my suspicions but every time I raised them he would brush them off as me being silly. He’s tried a few times to stop - and he doesn’t use daily now. However I know he’s used socially, and indeed as recently as last month when I found a rolled up bank note stained with blood and credit card in his vanity bag. I confronted him about using and he lied to me that he hadn’t - until I explained to him that every time I clean our room I check his vanity bag, and it wasn’t in there last time. He eventually comes clean and tells me he’s used at his cousins wedding. He drinks excessively - at least one bottle of not cheap wine a night. He always tells me he’s going to cut down - but never does.

He has lied to me multiple times over the years - about smoking/vaping/drug use. He only owns up once he’s caught out. Yeah I don’t like smoking/vaping/drugs. He’s an adult if he wants to vape/smoke fine - but a massive issue for me is also about lying. If he’s prepared to lie over something as minor as vaping - what else would he lie to me about? I never would have pinned him down as the unfaithful type - despite all his other flaws. But a couple of years ago I asked him to explain something that made me suspicious. His explanation was probably valid and likely. But because of how many times he’s lied to me in the past it nags me he may have been unfaithful.

He has always been financially irresponsible. I wasn’t aware of the extent until we got married. I have no idea how much he owes on credit cards etc. I know a couple of years ago he had unpaid debts with HMRC and he told me he had arranged a payment plan with them. Just recently he had a couple more letters from them saying he owed 18k first, then 12k. He told me they were part of the same debt and he’s paid some money off - that’s why it’s 12k now and he has a payment plan going forwards.
Roll on last week - a collection agency letter arrives for 18k on behalf of HMRC. I asked him and asked him to call them and find out what it’s about since he’s “sorted it”. Turns out he hasn’t. They’re 2 separate debts - he’s “apparently” arranged a payment plan for the 12k one, but the 18k one has been passed over. We don’t have a mortgage yet - because of all of his financial issues of the years. I’m incredibly fucked off with him that this now dents our chances for another 6 years. At which point we will be in our mid forties. This could have all been avoided had he called them in a timely manner and arranged a payment plan - which if made with HMRC doesn’t have an impact on credit scores.
I’m increasingly fed up of his lies and bullshit. He has caused fairly sizeable trust issues for me. I don’t know what else he might be hiding. He takes no accountability for his behaviour - his parents have enabled him all his life (paying off his debts at uni, buying in alcohol for him at their house and letting him drink a couple of bottles a night etc.) He might start trying - only have a glass a night, or go to an addiction meeting - but that’s all very short lived. I’m aware he’s got an addictive personality and addiction is a cycle -blah blah.
To make things more complex - MIL has been terminally ill for a couple of years - and she very sadly passed away 3 days ago. Before anyone says to cut him slack currently - ALL of the above issues would have happened had she been ill or not. They happened well before she was poorly, and I’m under no illusion that they’re not going to get ten times worse now.
I’ve currently been struggling with my MH for a few months. I do find it hard caring for the 3 DCs alone (he’s obviously been spending a lot of time at his parents house in the run up to MIL dying and he’s still there now - he’s an only child. None of our family live close by either so I can’t ask my parents for help too frequently) I’m going through an incredibly tough time at work currently that is being very drawn out that may result in some further financial issues. I don’t particularly enjoy my career, and I’m of an anxious personality type anyway.
I feel awful for DH - his mum was such a lovely lady and she suffered so much bad luck/hardship in her life. I’m trying to be as easy on him as I can - I’m letting him know it’s ok to spend as much time with FIL as he needs and I’m keeping everything going here. He’s a great Dad to our kids, and he’s actually a lovely guy. But I feel like divorce has happened for much less and I’ve let him get away with too much!
My parents have very kindly said that they will lend him the money to pay back HMRC. They’ve mainly said this as they are aware how worked up and stressed out I am from the financial issues he’s causing us. I’ve mentioned a couple of times prior to his mum dying last week if he would just make the call to HMRC and find out if the debt collection letter is legit and I’ll pay it off. He keeps making excuses (my mums friends are coming around, I’ve not had time etc) His mum died at the weekend and I didn’t mention anything. I’ve asked him - in the kindest possible way again today to call and then I can pay it. He’s been fine on the phone chatting about various things but then put the phone down on me when I brought it up.
AIBU to be incredibly fucking cross with him about this? He could have called and avoided the whole thing months ago! Now he’s made it ten times worse and my parents are mopping up (some) of his mess! I know this is the worst possible time for me to ask him - but he’s just got to make one phone call. I know he’s finding the time to go out with his friends whilst he’s over at FIL’s, I don’t see why he can’t do this!?
He’s caused me so much stress/sleepless nights with his issues recently, ontop of my own issues. It’s one fucking phone call - then I can deal with the rest for him? But he seems to think I’m being unreasonable asking him to sort this any time soon!
If you got this far - thanks for reading 😮‍💨

OP posts:
KnittingKnewbie · 19/02/2024 13:50

Divorce him
What's he adding to your life?

Flamingogirl08 · 19/02/2024 13:52

Good God woman, leave him and get on with your life.

Beckafett · 19/02/2024 13:55

Do not let your parents lend him the money! Why are you with this horrible man who clearly has no respect for you or your children?

Judgedbycats · 19/02/2024 13:55

I would guess that the debts to HMRC are not the only ones.

I'd divorce him.

jelly79 · 19/02/2024 13:56

I dont mean this horrible OP but you are enabling him!
Every time someone scoops him up he gets away with responsibility.

He is showing you a complete lack of respect by lying even whilst you seem unbelievably patient and understanding. He is going to need to lose you and stand on his own 2 feet c

Parky04 · 19/02/2024 13:56

So, he has a cocaine addiction, he is an alcoholic, and is massively in debt! He sounds lovely. Why are you still with him? He won't change, so my advice is to divorce him.

Octonaut4Life · 19/02/2024 13:56

You're focusing on the wrong thing here. You shouldn't be sorting any of this out for him. You should be sorting out your own arrangements to get away from him. He's dragging you down, he lies to you, he has a range of addictions including masses of debt (and there's probably more you don't know about as he's clearly not giving you access to his finances), he does hard drugs... Just get rid, this is awful for you and your young children.

RoadToPlants · 19/02/2024 13:56

Your parents will NEVER see that money again if they lend it to him.

Divorce him and move on. He can mop up his own shit.

KnittingKnewbie · 19/02/2024 13:57

Don't let your parents pay his debts
Ask them to pay for any debts you are left with after the divorce

Nannyfannybanny · 19/02/2024 13:57

Am very sorry you are going through this. I had a similar scenario, not drink or drugs, but cars other women other men!!Loans, forging my signature. Eventually the house was re-purposed. My youngest was 8. The lying,he was once sacked from a management job in a massive high street store. Never found out why,he hid it from me. I picked up the slack for the mortgage. Same thing,last time (that was 35 years ago) he had his own business,lost, his contracts, pretending to go to work. Re-mortgaged the house. In the end tried to kill me for life insurance. Made homeless. He isn't a good dad. Don't let your parents bail him out. It won't stop. He has to WANT to, and he doesn't. Get your parents help, get a solicitor. Good luck.

BruFord · 19/02/2024 13:57

What a mess, OP. I think you have no choice but to separate before you get further dragged down into his mess.

But, I don’t think that your parents should “lend” him the money to pay HRMC. They’re highly unlikely to get it back, aren’t they? As he’s an only child, will he inherit from his Mum or could his father help him out ?
Otherwise your parents are going to lose that £18K.

Gloriosaford · 19/02/2024 13:58

We don't have a mortgage
Good you need to keep it that way, he will only ever take you down with him. It's time to back away slowly.
I wouldn't let him know, he will do and say whatever it takes to keep you to stay with him, he needs you to absorb the mess he's making out of his life.
Please don't let him ruin your life and the lives of your children as well as his own.

CurzonDax · 19/02/2024 13:59

Do not allow your parents to lend him that money. Instead, the 18K would be put to better use, if they kept it aside for you and your DC (if they are able to, of course) to help you set up a home/life without him.

cestlavielife · 19/02/2024 13:59

He’s a great Dad to our kids, and he’s actually a lovely guy.

No he is not. Playing nicely sometimes is not good enough.
His addiction and debts cannot be laughed off.
Do not let your patents pay off his money.
Divorce and let them support you

PrueRamsay · 19/02/2024 13:59

RoadToPlants · 19/02/2024 13:56

Your parents will NEVER see that money again if they lend it to him.

Divorce him and move on. He can mop up his own shit.

Absolutely!

You would be INSANE to let your parents give him this money!

Far better you split up and they provide you with financial support if they are able.

How have you stayed with this arsehole so long? Have you no standards?

BloodyAdultDC · 19/02/2024 14:00

Don't let your parents pay him op.

Get divorced. The debts will likely be 'debts of the marriage' but your parents could sub you your half afterwards and let him sort himself out.

And no op, he's not a good dad. By any measure. He lies, is massively in debt, drinks excessively and is addicted to cocaine. You wouldn't choose him to father your kids (knowing what you know now), why would you perpetuate that for your kids now?

BruFord · 19/02/2024 14:00

KnittingKnewbie · 19/02/2024 13:57

Don't let your parents pay his debts
Ask them to pay for any debts you are left with after the divorce

@KnittingKnewbie Exactly, there’ll be more than this HRMC debt. If her parents want to help out, their money people be best spent directly on the OP and their GC.

12345onceIcaughta · 19/02/2024 14:00

Do not take money off your poor parents for your deadbeat dh.
your poor children, please remove this useless person from your life.

IncompleteSenten · 19/02/2024 14:01

Do you think you'll ever reach a point where you've had enough of his shit?

It doesn't seem like he contributes anything positive as either a husband or a father.

Yet you take his crap time after time after time, year after year after year and now your parents are getting sucked in too.

Will enough ever be enough?

Kelly51 · 19/02/2024 14:01

He’s a great Dad to our kids, and he’s actually a lovely guy.
No he's not.
Yet another thread where it's a mystery why women do this? keep having kids with complete wasters.
Do not let your parents give him £, is being gullible a family trait?

ThirtyThrillionThreeTrees · 19/02/2024 14:01

Do not under any circumstances let your parents lend him money.

That 18k would be far better spend on legal fees for you in negotiating a divorce and custody.

Aquamarine1029 · 19/02/2024 14:01

You have known exactly what kind of man he is right from the beginning, so I can't imagine how you think anything will change now. You have allowed yourself to be dragged into an insane mess, and now there's three kids in the mix, too. For their sake, not just yours, divorce this loser before he completely destroys your life.

IncompleteSenten · 19/02/2024 14:02

I mean, if they've got £££££ to chuck at him then that money would be better used to get you the fuck away and stop your kids being raised thinking this is the way people live.

skelter83 · 19/02/2024 14:02

This is awful. He is financially abusive and categorically not a good dad to your children; he is making your children’s future less secure. You are being entirely unreasonable by taking money from your parents to pay it off. You need to divorce your finances (stay with him if you must) but divorce him legally because this is a truly appalling financial situation for you to stay in. Someone else has said it above, you are enabling him.

pikkumyy77 · 19/02/2024 14:02

This post is a Lovecraftian horror story written by a narrator who does not understand that she is living in the horror as its victim.
Get out fast. Your husband will destroy you and your children and drag your parents down too without an ounce of remorse.