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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:
FranticHare · 19/02/2024 14:19

You will never 'fix' him. He will always lie to you. He will always be an addict. Nothing will change.

If you let your parents get him out of the current mess that he is in, he will just create another one. Don't let them bail him out - there will be another debt around the corner. Why should they suffer financially because your OH is an addict?

I don't normally advocate leaving - I believe when you take your marriage vows you should try your hardest to keep those vows* - but it takes two. Your OH is treating you (and your children) horrendously. Get out before there are bigger issues than there are now.

(*asides from abuse before anyone leaps on me!)

purplehotdogs · 19/02/2024 14:19

Is "he's a good father" code for "he loves his children?" Because that's not all it takes. He's not taking responsibility for his debts, he's lying to you, he's not even sorry about landing you in this mess and dragging you down...do you really think this is all you and your children deserve?

britneyisfree · 19/02/2024 14:24

Divorce. Get your parents to give you the money for a deposit on a rental - some places need a year up front. Don't waste their kindness on him - you need it for yourself.

Casuallydressed · 19/02/2024 14:33

Thanks all. You’re not really telling me anything I didn’t really know, deep down. I guess unless they’re truly awful they never fit the classic ‘villain’ stereotype, and that’s part of the problem. Outsiders certainly wouldn’t see the alcoholic/drug addict/liar he is. He’s absolutely disrespectful and always downplays it. It’s just such awful timing that this has reached it’s peak (or I’ve reached my limit) so soon after his mum’s death.

OP posts:
Aquamarine1029 · 19/02/2024 14:35

Please don't allow him to use his mother's death as just another tool to manipulate you with. His mother dying is absolutely irrelevant in all this.

Mitherations · 19/02/2024 14:35

Gather up as much pertinent financial information as you can get your eyes and hands on and make an appointment to see a solicitor.

You need to extract yourself from this situation not weigh in further, and the last thing you need to do to do is involve your parents financially by lending him money.

Find out where you stand legally and make your choices, you can either choose to remain married to him as he is, which is an active long term addict, and spend the rest of your life like this, or you can decide it's not working for you. It sounds like it's not working for you, so do what you need to do. It's ok to choose a different way, you're not on this earth for this to be the way you spend your life.

liverpoolgal82 · 19/02/2024 14:36

The worst thing you can do hear is have your parents bail him out. How will he ever change if he doesn’t have to deal with the fallout. Honestly if it were me I’d pack up and go or throw him out. I’d divorce and get financially away from him as possible. Cancel joint acc if you have one. If your parents can spare £18,000 then you take it to help you start again and then you can pay them back when you can. Please please leave and think of yourself and your children. He will always be like this until he’s hit the bottom . Just sort yourself and your finances out.

Gloriosaford · 19/02/2024 14:36

Casuallydressed · 19/02/2024 14:33

Thanks all. You’re not really telling me anything I didn’t really know, deep down. I guess unless they’re truly awful they never fit the classic ‘villain’ stereotype, and that’s part of the problem. Outsiders certainly wouldn’t see the alcoholic/drug addict/liar he is. He’s absolutely disrespectful and always downplays it. It’s just such awful timing that this has reached it’s peak (or I’ve reached my limit) so soon after his mum’s death.

But he IS truly awful!
I think you have become numb or desensitized to it as a coping strategy.

liverpoolgal82 · 19/02/2024 14:36

here, not here

Gloriosaford · 19/02/2024 14:38

You say it reached a peak after his mum's death, this suggests to me that something about the presence of his mum was keeping a lid on things to some extent, it may all now erupt fully.

catsnhats11 · 19/02/2024 14:42

He's a drug addict, alcoholic, liar and bad with money, He was using daily whilst living with your two eldest children (while they were babies/ toddlers) - surely this alone is unforgivable! And you ask to cut him some slack! I'm sorry but what on earth are you with this man for, do not let your parents enable him further by giving him money.

Parentingistoughas · 19/02/2024 14:42

What on earth has happened to you in your life to consider anything other than divorce?!

I’ve put you’re unreasonable just because the only thing you should be asking for on here is the name of a good divorce lawyer.

Good father!! Not even remotely close.

Pushkinini · 19/02/2024 14:42

Leave him. He's a loser and won't change.

GabriellaMontez · 19/02/2024 14:46

Casuallydressed · 19/02/2024 14:33

Thanks all. You’re not really telling me anything I didn’t really know, deep down. I guess unless they’re truly awful they never fit the classic ‘villain’ stereotype, and that’s part of the problem. Outsiders certainly wouldn’t see the alcoholic/drug addict/liar he is. He’s absolutely disrespectful and always downplays it. It’s just such awful timing that this has reached it’s peak (or I’ve reached my limit) so soon after his mum’s death.

He is truly awful.

Doglover19 · 19/02/2024 14:46

I've been in this position and trust me it NEVER changes. The coke and drink addiction gets bigger. My partner died after spending £150k on drink and coke. He stole from me , from my family . The lies got bigger and bigger and even at his funeral his family mentioned what a story teller he was. He owed everyone money and lied constantly. I wanted to believe him !!!
I would run as fast as you can. Look into your own credit file to make sure he ain't took out loans in your name . And use that money from your parents to get a life back for yourself.

You can't trust this man no matter what , I couldn't either. I used to say if he told me the sky was blue I would have to look outside to check !!!

My partner died with loads of debts even tho he had £150k months before. He's an addict and you can't help him !!! And no amount of mortgages, bills or anything else will make him wise with money. You'll just end up destroying your own credit in the process.

Please don't get a mortgage with this man !!!

At the end of the day alcohol and coke will always come first , he's an addict. I've been there and it's painful to accept but one day you need too.

Nanny0gg · 19/02/2024 14:49

Casuallydressed · 19/02/2024 14:33

Thanks all. You’re not really telling me anything I didn’t really know, deep down. I guess unless they’re truly awful they never fit the classic ‘villain’ stereotype, and that’s part of the problem. Outsiders certainly wouldn’t see the alcoholic/drug addict/liar he is. He’s absolutely disrespectful and always downplays it. It’s just such awful timing that this has reached it’s peak (or I’ve reached my limit) so soon after his mum’s death.

Doesn't matter about outsiders

You have known for years and put up with it all for your own reasons.

But now's the time to let him sink. And not take you down too

Cut your losses and divorce him. What example is he setting your children?

ChocolateCinderToffee · 19/02/2024 14:50

If your parents lend him 18K they won’t see it again, and he’ll just go on building up debt. Kick him, out, divorce him and get on with your life.

Done2much · 19/02/2024 14:51

Aquamarine1029 · 19/02/2024 14:35

Please don't allow him to use his mother's death as just another tool to manipulate you with. His mother dying is absolutely irrelevant in all this.

agree with this

Do not let your folks pay off his debt. Far better for them to use that cash to enable you and your kids to get away from him

He has multiple problems that he needs help with but he is not your responsibility.

Your children are your priority and you'll not regret saving them from a life with an addict who only knows how to put themselves first

He has created this mess, let him deal with it.

Best of luck

crumblingschools · 19/02/2024 14:51

Really can't see how he is a good dad.

Nanny0gg · 19/02/2024 14:53

@Casuallydressed I know you're mourning too, but seriously, WTF is wrong with you??

He's stolen from you and his children (and potentially your parents if you actually DARE let them 'loan' him money

He's lied and deceived and broken the law again and again

Wake up and smell the coffee!

talksettings1 · 19/02/2024 14:54

Do not let him take any money from your family. How could you even consider such a thing?
Get yourself to a solicitor and plan your divorce.

Bankholidayhelp · 19/02/2024 14:54

Not a good dad
Get your ducks in a row and divorce him
Do not let your parents pay off his debt. If they have that sort of money sloshing around they can use it to support you in a new life

BlondeFool · 19/02/2024 14:55

Divorce him.

DO NOT PAY HMRC FOR HIM.

SausageAndEggSandwich · 19/02/2024 15:00

Without MIL's money propping him up I expect it will all unravel very quickly. He will be feeling guilty as well as grief. I suspect you don't know anywhere near the extent of his debts.

Do not let your parents get involved in his mess. Work out what needs to happen to split up and let your parents help you pay off any debts he lands you with. But do not let that money go anywhere near your bank account. They pay debtors directly.

Riva5784 · 19/02/2024 15:02

Outsiders certainly wouldn’t see the alcoholic/drug addict/liar he is.

You are mistaken about this. Sadly, many people have experience of addiction in their friends or family and know the signs. They may not be saying anything to you now while you are still married, but they are seeing it.