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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:
FictionalCharacter · 19/02/2024 15:02

Sorry @Casuallydressed but he isn’t lovely or a good dad.
He’s a habitual liar who has told serious lies to his wife
Alcoholic
Drug user
Extremely irresponsible with money
Rude to you (hanging up on you)

Do you want this to be your life and your kids’ life permanently?

Please don’t get a mortgage with him or let your parents give him this money.

ArthurWrightus · 19/02/2024 15:03

It isn't just one phone call though and deep down you know it. This is just this week's thing. Then there will be next week's. And then next month's or next year's thing. Unfortunately until this man hits rock bottom himself he's going to keep putting his head in the sand. And if your parents pay off his debt his behaviour isn't going to change because he's got off lightly again.

I mean this with nothing but love and respect but you need to remove the crutch you and your parents have been/are being for his addictive behaviours and let him stand or fall by himself. Support his grief and processing life without his mum but do nothing to prop up the consequences of his addictive behaviours.

And a month or so after the funeral think about asking him to move out and deal with his issues with addiction himself and create some space between him and you/the DC. He has to feel the consequences of his behaviours before he can even begin to think about changing.

Pegasusforme · 19/02/2024 15:06

You are blindly leading your children deeper and deeper into a living hell.

Leave him.

Hankunamatata · 19/02/2024 15:07

He is an addict. He doesn't want to change and he is a crap dad.

Time to call it a day. Find your own property and start having a proper life

Kelly51 · 19/02/2024 15:07

I guess unless they’re truly awful they never fit the classic ‘villain’ stereotype,
what exactly do you regard as awful?
Find your self respect and divorce him.

wizzywig · 19/02/2024 15:10

Why do you think living with and raising kids with a drug and alcohol addiction is ok? He is risking the roof over your heads and your kids safety and wellbeing.

Hatty65 · 19/02/2024 15:12

Don't borrow money from your parents to try to pay his debt.

If you need to, borrow money from your parents to allow you to leave him. Get out now. He'll drag you further into debt and you'll never escape. This is all down to his choices - and he should have been considering his responsibilities to his three small children and his wife when he made those.

Don't be another enabler of him.

Missingmyusername · 19/02/2024 15:15

Your parents would be better off giving you the money for a deposit on your own house.
Your husband will just get into more debt OP.

He’s got an addictive personality by the sounds of it. It doesn’t matter what it is, it’ll grab hold of him.

You are young, give yourself another twenty years of this and no closer to owning a house and you’ll feel used up and spent.

Aquamarine1029 · 19/02/2024 15:25

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.

Fucking hell, op, does he have to murder people to be "truly awful" in your eyes. He IS truly awful. He's a horrible father, a horrible husband, and an all-around selfish, destructive arsehole.

TossieFleacake · 19/02/2024 15:28

HE WILL NOT CHANGE.

Scoop up your self respect and leave this man.
Do not allow your parents to lend him money to pay off HMRC, he will simply run up another debt.
He has been enabled all his life, first by his parents, now by you.

If you don't get out now, you will be writing the same post in 10 years time. Don't make the same mistakes I did and think you can change this man.
He has shown you who he is ... trust him on that alone.

BMW6 · 19/02/2024 15:40

FFS OP get real!

He's an alcoholic and drug addict.

He's spaffing away money getting deeper and deeper into debt.
He's lying to your face about ALL of it.
He will NEVER repay any money that is lent to him.

He's a dreadful father and a lousy husband.

A future with him only means more misery, lies and heartache for you, your children and anyone who is foolish enough to lend him money.

For your children's sake get away from him now. Don't let your parents or anyone lend or give him any money - he'll snort it or drink it.

itsmyp4rty · 19/02/2024 15:44

I don't understand why you didn't leave him years ago, He's not a great dad in any sense, no child should have to live with an alcoholic and drug addict. Yet you're still trying to be easy on him? He lies, runs up huge debts, has probably cheated (please get an STD check), but you're still set on letting him drag you all down with him - you're now even allowing him to drag your parents down.

Please, please don't let your parents bail him out, it's just more money down the drain (or up his nose). Take that money yourself and use it to set yourself and your kids up instead - preferably a long, long way away from him. His mum happening to have died at this time is not your fault, but he will use it to it's full advantage to make himself a victim. You and your children are the victims here though and have been for years and years.

Harvestfestivalknickers · 19/02/2024 15:51

Do you really want your parents sucked into this mess? 18k to a liar, debtor, alcoholic cocaine user? Really?

allthemiddlechildrenoftheworld · 19/02/2024 15:52

@Casuallydressed why are you still there???

Snazzysausage · 19/02/2024 15:55

I'm sorry but why on earth are you subjecting yourself and your children to this loser?! Walking on eggshells and always wondering what else is round the corner. I suspect your mental health will improve in leaps and bounds if you free yourself from this millstone round your neck. Get out and find some peace for yourself.

MumblesParty · 19/02/2024 15:56

Your husband is a hopeless alcoholic drug addict who lies and has probably been unfaithful. He is also massively in debt and has no intention or way of paying it off. He will drag you down further than you knew it was possible to go, and he will take your kids with him. And now you want to let him destroy your parents too? OP, have some self respect, and stop enabling this man. Without you he may realise what he’s lost, and change his ways. He might not. But while you’re there, showing him that it’s all OK (by staying), he’ll never get better. Ever. And your lives will all be ruined.

Inertia · 19/02/2024 15:58

If your parents have 18k to give away to a drug addled compulsive liar, they’d do better to keep it to help you get back on your feet after the divorce.

There is no way back from this.

How much more does he need to do before you start putting your children first?

Milkmani · 19/02/2024 15:59

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.

Yes, this is exactly it. @Casuallydressed The money they are willing to pay for the debts could go towards you buying a property, even if it’s shared ownership. Haven’t you put up with enough? If they’re willing to pay that much money may be they’ll be able to help you get on to the property ladder? You and your children deserve more.

sassyduck · 19/02/2024 16:03

Your poor children. You need to divorce him fast.

TheDowagerDoughnut · 19/02/2024 16:05

FGS don't let your parents waste their money on paying his bloody debts!

If they want to financially help you, they could give you that money to help you start a new life without this parasite.

LuluBlakey1 · 19/02/2024 16:07

YABU for even entertaining the idea of continuing a relationship/marriage with this pathetic liar. He has NEVER been honest with you. He NEVER will be. Do not let your parents give him money. Kick him out and get him out if your life for good- him and his debts and drugs. He has ruined your financial stability and a chance of a home of your own- for you and the children. You can't trust a word he says.

moomoomoo27 · 19/02/2024 16:09

I agree with everyone saying get out, but it's also worth seeing if he would see a professional who can help with addicted/grief/general mental health so he doesn't spiral more after losing his mum and then this. And if you can contact a close friend or relative he can rely on for a bit.

That way you don't have to be personally involved or let him guilt trip you, but you know you've done what you can.

ThreeRingCircus · 19/02/2024 16:11

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.

This is the crux of it. He is not a good dad and he sounds like an absolutely shit husband. He is an alcoholic, drug addict spiralling into debt and is preventing you buying your children a permanent home with his financial irresponsibility. He sounds like a bloody liability and will drag you down.

Get yourself and the children out of there. I would confide in your parents and tell them absolutely everything. This is not a normal environment to be bringing up children in and will mess them up if you stay and they get older and more aware. Trust me, DH had an alcoholic parent and is totally screwed up his childhood. Don't let that happen to your kids. Tell your mum and dad and ask for help.

Maverick66 · 19/02/2024 16:12

OP
Leave him ....he won't change .

Yes it's tough his mother has died ..but that is something that comes to us all..we put our best foot forward and get on with it.

Take the money your parents have so generously offered to pay off his debt and use it to get a deposit on somewhere for you and your children to live.

He is a selfish, selfish excuse for a man .

Do not enable his lack of care and thought for you and your children any more.

LifeExperience · 19/02/2024 16:14

He's not a great dad and a lovely guy. He's an addict, and to an addict the drug is the most important thing in life--more important than their partner, more important than their children, more important than their health, more important than their finances, more important than absolutely everything without exception.

Leave. As a devout Christian that is not something I say lightly. But as the sister of an addict I can tell you with absolute certainty that there is no future with this man and he will pull you down with him if you don't save yourself and your children.