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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:
BookSpines · 19/02/2024 14:02

Your parents would be bloody mad to lend him money.
Divorce him and let him go bankrupt, I wouldn’t want my kids round a druggie because that is exactly what he is.

He isn’t a great Dad to your kids, he is a selfish prick, what if he leaves something laying about and they eat it.

Janetsmug · 19/02/2024 14:03

Why on earth are you still trying to 'fix' everything for him OP? Especially as you can clearly see that the messes he makes are entirely of his own making? Please don't let your poor parents throw £18k down the black hole of your husband's addiction, you can't let them be pulled into his vortex of shit alongside you. He's a grown man, time to let him clear up his own mess and properly feel the consequences of his addiction and general uselessness. You need to focus on saving yourself and DC while you still can by divorcing him so he can't drag you down any further. Reread your own OP as though someone else had written it, you would be telling them to run like the wind away from this marriage/man.

olderbutwiser · 19/02/2024 14:03

Surely your only question here should be “how do I divorce him without being responsible for half his debts”?

GabriellaMontez · 19/02/2024 14:03

He's a compulsive liar. Yes he's probably a cheat too.

Why oh why would you give this man more money? Take it off your parents and use it to see you and the children up somewhere.

Anyone who voted yabu probably means to give him more money.

Riva5784 · 19/02/2024 14:03

I voted YABU because you should not be sorting anything for him. He is a liar and an addict and you need to leave him.

Do not let your parents 'lend' money to him. They will never get it back. He is an addict and, as you say, has always been financially irresponsible.

TeaKitten · 19/02/2024 14:03

This thread is stupid OP. Your husband is a joke and you are an enabler and the poor victims in this are your kids. How could you even consider staying with him? Nethermind letting you parents spend all that money on the debts. What is wrong with you?

Tabletoptimes · 19/02/2024 14:04

YABU to take your parents money for this. Wait until you are divorced and they could help you and your children out with it if they would like. As long as you stay married your husband will keep you in debt so there's no reason to clear the debt now.

TokyoSushi · 19/02/2024 14:04

OP no, let the dust settle from his Mother dying and then leave.

DO NOT let your parents pay this debt, and honestly I wouldn't say any more about it. It's his problem, he needs to fix it. At the moment he clearly just makes a huge mess and somebody else cleans it up. This is no way to live.

AndrewPreview · 19/02/2024 14:05

Do your parents know why he's in debt? do they know about the drugs?

No way should they pay this off... They will NEVER get it back.

I daresay they would much rather use that money to set you up AWAY from him.

socks1107 · 19/02/2024 14:06

Instead of lending him the money to pay those debts your parents could lend you the money for a house deposit and you can get away from him.
He lies. He won't change and the debt will build back up again

TitusMoan · 19/02/2024 14:06

Great dads aren’t addicts.

And addicts aren’t great dads.

I was married to one of these. He’s dead now, as a direct result of the addictions. What kind of great dad does that??

Aquamarine1029 · 19/02/2024 14:06

Your husband will put that money right up his nose, you know he will. How could you possibly take money from your parents and give it to this fuckwit? Your parents might as well flush that money down the toilet.

NotQuiteNorma · 19/02/2024 14:08

Jesus Christ I didn't even bother getting to the end. How many more years are you going to be a doormat ? What are you even thinking about mortgages with this man for? What on earth is this absolute car crash bringing you? If you haven't got enough respect for yourself at least get those innocent children the hell out of this. For the love of god stop excusing this mess and get your children away from it now.

Springisintheair01 · 19/02/2024 14:08

But nothing is going to change. Even if your parents pay off the debt to stop you worrying (I note that you are worrying more than him.) He will just accumulate more debt because he will still be drinking and using coke.

Where do your children fit into his seedy lifestyle?

GoingRoundInOvals · 19/02/2024 14:09

The drinking a bottle of wine a night would be enough for me. Throw in the drugs, the lying, the financial irresponsibility - why on Earth are you still married to this guy??

-- and more fool your parents for enabling you to stay with him.

MisterOnions · 19/02/2024 14:10

Ask your parents to lend you enough money to enable you to divorce your husband, move out with your children and start to build a new life for yourself.

This man is not going to change and if you spend any more of your life with him, you’re going to ruin it and that of your children.

If your parents have money to spare use it yourself to break free from this toxic individual who gives you nothing but angst, debt and heartache. You deserve better and your poor kids definitely do.

BrioLover · 19/02/2024 14:10

You need to wake up OP.

Please listen to the posters on here. You are in a spiral of your husband's making.

Just for one moment think about how much money he's spent on drugs, alcohol and debt. You'd have been able to buy a house and have a stable home for your children.

Stop bailing him out. Ask your parents to help you get out and free yourself of him and his shit.

L1ttledrummergirl · 19/02/2024 14:12

Do not let your parents pay that debt. Divorce him and then put it towards paying off your half of the debt he has run up because it will be a lot more than he's letting on.

He's dragging you and your dc down.

Galeforcewindatmywindow · 19/02/2024 14:12

Stopped reading when I read you have chosen to allow a class 1 druggie around your dc...

TakemedowntoPotatoCity · 19/02/2024 14:13

A first time poster whose husband is a drug addicted alcoholic with 30k of unpaid debt - mustn't forget what a great dad he is though. Ok then.

Crazyclover · 19/02/2024 14:13

You should lend the money from your parents to leave him and set yourself up elsewhere - he will just run up more and more debts and wait for the next hand out, he isn't interested in providing a stable home or financial security for you or his children and he might be a good dad - plays with the kids, baths them and cooks them a meal - but in reality what is he giving to you and them? Debt, stress and limiting your life experiences as you can't afford to do things because of his debts/hangovers/come downs.
Even if you are blinded by his promises, don't make your children live this lie with you.

Catsolitude · 19/02/2024 14:16

Good god he is not a “lovely guy”. Exactly how long are you going to put up with this? In the kindest possible way, get your affairs in order and get out. This sort of stress, financial abuse and uncertainty is not a healthy environment for you or your children.

AarlowDK · 19/02/2024 14:16

Do not involve your family in loaning him money.

I've been there, the fall out within relationships is so damaging. You are likely to lose your helpful parents too.

pikkumyy77 · 19/02/2024 14:17

Is it really surprising its a first time poster? I wouldn’t post this problem regularly.

Therealjudgejudy · 19/02/2024 14:18

Good grief woman, what is wrong with you?

Divorce him. Get this drug addicted alcoholic away from your children. And if you are foolish enough to take money from your parents, please let them know its going straight up this pricks nose

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