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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:
LifeInAHamsterWheel · 19/02/2024 16:24

You are being unreasonable for staying married to him.

Maray1967 · 19/02/2024 16:24

A good dad needs to do more than play with the DC and be lovely with them.

He needs to be a responsible parent who does the best for them. This includes handling finances wisely - however much money he makes.

He needs to put their need for a secure home above his desires and get help to deal with his addiction. He is not doing this - he is not a good dad.

LAMPS1 · 19/02/2024 16:24

Go to a solicitor and separate yourself from him and his debts as soon as you can. He isn’t and won’t ever tell you the truth about the amount of his debt.

Just divorce him OP so that he can’t drag you and your children and your parents down with him. He can still be a father to the children when you are financially independent.

Do not even think of paying off any of his debts as this won’t be the only time you will have to do it.
Don’t let your parents give him money.
Don’t get a mortgage with him.
Get a divorce then get your own mortgage without him.

One of you has to think straight for the sake of your children and it’s clear it isn’t him or your parents if they are wanting to pay off his debts.
You must not that happen OP.

Juni11 · 19/02/2024 16:28

I think you need to protect yourself and your children. Do not let your parents pay off his debt, he’ll never repay it and with the financial pressure off, he’ll no doubt waste his money on more drugs.
sounds like he needs to hit rock bottom to find the motivation for change. He’s been rescued all his life and you are doing it now. No one would blame you for wanting to divorce him. There’s nothing attractive about being married to a man you need to mother.

ConsistentlyElectrifiedElves · 19/02/2024 16:30

Judgedbycats · 19/02/2024 13:55

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

I'd divorce him.

This.

Together with the fact that you're bringing up 3 children in the same house as an alcoholic drug addict. Imagine inviting a druggie in off the street and asking them to look after your kids. You wouldn't, would you, so why do you accept one living under your roof?

Also, as you're married you could become as liable for some of the debts as he is.

Divorce him and distance yourself from his finances (or lack of) ASAP!

ConsistentlyElectrifiedElves · 19/02/2024 16:33

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.

This too, but if you can, wait until you have divorced before accepting any money from your parents as he'd probably want half of it if it was before!

I'm sorry OP that you've ended up in this situation, but really the best thing would be to get far, far away from this mess.

Maray1967 · 19/02/2024 16:37

Yes, agreed. Don’t let your parents give you money now. You need to separate yourself from him by divorce. Your parents can help you rent and then later on help with a deposit.

Cornflakelover · 19/02/2024 16:53

You knew what he is like
you chose to marry him and have 3 kids with him - that’s on you - you’re enabling him
as much as his parents have been

you had a choice - unfortunately your poor kids didn’t have a choice that they have an alcoholic drug addicted feckless dick head for a father - thanks mum

If you care about your kids Leave before he damages them permanently

he’s a shit father and won’t change
your just as bad if you stay with him knowing he’s is what he is

The 18k your parents are willing to give him would be better off using as a deposit to get a secure home for you and your kids
cos let’s face it you aren’t going to get a secure home while your with him

Pipsquiggle · 19/02/2024 16:54

Do NOT let your family pay any of his debt.

You need to divorce him ASAP and then your family can help you. You will need it.
Please do not stay with this feckless man, do not teach your DC that his behaviour is acceptable, it isn't

Saymyname28 · 19/02/2024 17:01

I would tell him to stay at his dad's and you'll send the divorce paperwork there.

He's a drug addict who's taken zero responsibility for his actions, you really think he's what you deserve in life?

gmgnts · 19/02/2024 17:04

If your parents have £18000 to spare, get them to give it to you, to support you as and when you leave your addict husband. He will not get better, sadly. You have to leave.

VHS1981 · 19/02/2024 17:05

Wtaf have I read? Where the hell are your boundaries? He’s a total loser! Your parents will never get their hard earned money back. Dump the dickhead.

DifficultChoices · 19/02/2024 17:10

I’m really sorry to hear all of this. I would be so upset and stressed by all of this. I know this sounds like I’m catastrophising, and until I heard of this happening I wouldn’t have believed it myself, but if he dies in debt (which given his mental health and drug use is a possibility even if slim) you are likely to inherit the debt as it will need to be paid from his estate. And if his estate goes to probate you may not be able to pay it off until probate is sorted, which will also incur interest and legal fees that may be huge. I know someone who is about to lose a home over much less debt than you describe due to this process.

As hard as this is I think you need urgent legal advice both about your finances and relationship. In all honesty regardless of how much you love him and feel obliged to help him as much as you can, separating yourself legally and financially may be the only way to make sure that his debts don’t have a significant life altering impact on the long term future of you and your kids. I’m really sorry and send you all the best wishes I possibly can.

TempleOfBloom · 19/02/2024 17:19

How dare he… how DARE he put the phone down on you when you are trying to facilitate your poor parents giving him £18k of money down the drain because he is a lying wastrel?

Your poor parents. They must be distraught watching you be so anxious.

Honestly OP, I would tell him to stay where he is, with his Dad. And ask your generous parents if they would be prepared to use the money as a deposit towards a home for you and the children.

He put the phone down on you. He is ungrateful and feckless and not interested in your parents rescuing him.

So leave him to it. Use these days while he is away to see a lawyer, get a legal separation in place and put a big dividing line between you and his debts, lies and the addictions which will persist into a miserable 🙁 retirement.

Concentrate on your own work situation and keeping your self sufficiency. It will serve you and the children so much better than his chaos and debt.

bobaloo · 19/02/2024 17:31

Why would you stay with a drug addict and alcoholic who is financially abusing your family? He is NOT a good dad. Gross.

Suchagroovyguy · 19/02/2024 17:36

Divorce the lying shitewipe.

MILLYmo0se · 19/02/2024 17:47

For the love of God, do Not let him screw up your parents lives as much as he has his own and yours? Have you actually been honest with them, told them he is a cocaine addict and an alcoholic?!

TickyTacky · 19/02/2024 17:48

Please stop being a doormat. If social services knew about the drug use - and that you knew & did nothing, then that's your children under a plan, everything you do will be under scrutiny. Don't let your parents waste their money on a man who is determined to go into the gutter, he doesn't care about you, his children or anything other than getting the next fix. He has no respect for you, he does not care. He has ruined your self esteem. Use your parents to get yourself out of the situation and well away with your children. Your life can be so much better than this.

alltoomuchrightnow · 19/02/2024 17:51

'great dad' and 'lovely guy'? I beg to differ.
Run and dont look back

SlightlygrumpyBettyswaitress · 19/02/2024 17:53

If your parents have £18000 ask to borrow it to set yourself up without this waste of space.
You and your kids are worth so much more than this.

Onceacheetah · 19/02/2024 17:54

In ten years time do you want to look back and think I let him rip off my mother? I guarantee you won't be together, don't have that on your conscience.

caringcarer · 19/02/2024 17:55

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.

I'd be very surprised if that is his only debt. He's an addict. Give yourself and your DC a break and cut him loose. Get a divorce before his bad debt record is linked with your own. Do NOT let your parents bail him out. He's been enabled all his life first by his parents, then by you, surely you don't want the humiliation of your parents enabling him further. Put a stop to it now. File for divorce to protect your and your DC future. He's run out of chances and he's a liar.

RJnomore1 · 19/02/2024 17:59

I have voted you are being unreasonable because you are being utterly unreasonable not o my putting up with this shit yourself but putting your children through the instability of living with a drug addict alcoholic and now dragging your parents into it.

You have your head in the sand. He is not a good man in any way. Hes selfish and it also sounds like you think he might have cheated?

Ffs. You can do better.

Elsewhere123 · 19/02/2024 18:00

Get some help from Nar Anon or Al Anon. Go to a meeting. They don't force religion on you. I edited the serenity prayer to 'grant to me the serenity of mind to accept that which cannot be changed, courage to change that which can be changed, and wisdom to know the one from the other'. You can't help him. But you can help yourself and Nar Anon will give you useful support. Only he can choose to change himself. NA or some other rehab may help him but you need to prioritise your health above all else. You can't help your kids if you are ill.

BigTubOfLard · 19/02/2024 18:02

Dear OP, I think you have fallen into the trap of "He doesn't hit me, therefore it's not really abuse". But this is absolutely financial abuse, not to mention his lies. The mental strain that you are carrying must be intolerable.

Would you want any of your children to marry someone like your husband? There's your answer. xx