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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:
saraclara · 19/02/2024 18:04

How can you even THINK of letting your parents pay his bills? They will never see that £30k again.

If they want to help, then they can use that money to help set you and the kids up when you leave this man. At least then they'll see their money do some good.

usedtobeasizeten · 19/02/2024 18:06

In what way is this debt-ridden, lying, alcoholic drug addict a great dad?

saraclara · 19/02/2024 18:07

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?!

Exactly. And have YOU been honest with them about his addictions and his spending on drugs and alcohol?

I'm guessing not, because they wouldn't be helping him out if they did. They'd be getting you out of this relationship.

DreadPirateRobots · 19/02/2024 18:07

JESUS CHRIST WOMAN, CAN'T YOU HEAR YOURSELF.

For the love of all that is holy, DON'T give your poor parents' money to him. Keep the money yourself and use it to fucking DIVORCE HIM.

Your life will improve in literally every way.

fairymary87 · 19/02/2024 18:09

You need to toughen up and get out for your kids sake!!!

AmoungUs · 19/02/2024 18:11

In 20 to 30 years time he will be borrowing money off his own children, telling them half truths and tales of woe. They will then put their own lives on hold as they dutifully support the heir father who is the victim in his story. I speak from experience.
Divorce him, learn how to set boundaries and then teach your kids to set boundaries. It’s the best thing you can do for everyone.

LadyEloise1 · 19/02/2024 18:11

usedtobeasizeten · 19/02/2024 18:06

In what way is this debt-ridden, lying, alcoholic drug addict a great dad?

This 💯

Are your parents aware that he's a debt ridden, drug addicted alcoholic @Casuallydressed ?

Milkandnosugarplease · 19/02/2024 18:12

Do not let him have your parents money. You may need it for your divorce

littlemousebigcheese · 19/02/2024 18:12

Absolutely leave. Your poor children, and you. He's not going to change. Do not let your parents pay off this debt, it'll enable him to spend more and won't help the situation other than prolonging it. Borrow money to escape instead

Gingernaut · 19/02/2024 18:12

My parents have very kindly said that they will lend him the money to pay back HMRC

Do not do this. Do NOT do this

Do not enable him and don't rope anyone else into enabling him

He's an alcoholic drug addict in debt up to his eyeballs, refuses to face up to his failings and responsibilities and is only just holding down a job.

He is going through a stressful time now and it won't be long before he'll start fucking up at work

It won't take much for him to lose his job and he'll probably fail to pay you and your family back

He's a loser.

PBandJ111 · 19/02/2024 18:13

Leave. He doesn’t care about you. He won’t change. Dont give him a penny more.

Casuallydressed · 19/02/2024 18:14

Yes - my parents know he uses drugs and about his drinking. Only recently about the drugs - in the last few weeks as I couldn’t keep letting my mum defend him when I’ve moaned about his behaviour - she’s used his mum as an excuse to justify everything until she found out about the drug use. She had similar financial issues with my DF when we were growing up - she had to take out loans and remortgage etc. He didn’t use drugs but never paid his credit cards off or claimed company expenses and things just ran up.
I am considering asking him to ask his DF or at least tell him about the money. His parents have aside a good chunk of money to give us for a deposit when we’re ready (if ever) and he will inherit everything when FIL passes away - I think this is how he justifies his financial irresponsibility- he’s said to me in the past that “we will own a house eventually”.
I’m scared to even broach him speaking to his DF about this though- he will tell me I’m being unbelievably insensitive or something - and I don’t think it’s fair to saddle FIL with this at the moment if I spoke to him directly.
I’m so cross at all the turmoil this grown man is causing. He’s got the perfect excuse to wriggle out of talking about it like an adult with me now too. I’ve tried multiple times in the past and he’s always managed to delay me looking into his finances.
we don’t have a joint account - I felt it was wise to keep our money separate as I knew what he was like. It also means I can’t keep tabs on where his money has gone. He earns a lot of money and likes having “nice” things and shuts me down saying it’s fine when I ask if he can afford stuff!
He earns more than me and I am financially dependent on him (or so I thought) to an extent.
Yeah I’ve enabled him too - I know I’m fat from blameless in the whole thing!

OP posts:
heathspeedwell · 19/02/2024 18:14

If he's been lying to you about the cocaine use then it's 99% certain that he's been lying to you about having sex with other women.

When men are out partying on coke it's almost inevitable that some women will have a quickie in the toilets for a few lines.

You need to get a divorce as soon as you possibly can before he hurts you and your children even more. You will sadly only hear the truth about him once everyone knows you are finally free of him.

He wont change. Put yourself and your children first because he never will.

Shakespearesister · 19/02/2024 18:15

I’m in a very similar situation to you in lots of ways. 3 kids, DP is an addict, debt issues, angry, undermines my parenting, lazy.
my only saving grace is we aren’t married (he would get the half house equity which is all mine- contractually so- and some of pension which is sizeable and he has none) and I will never marry him.

can’t your parents give you the money that they were going to give to him debt to help you get on the property ladder alone and leave him?

Aquamarine1029 · 19/02/2024 18:18

I’m so cross at all the turmoil this grown man is causing.

Not cross enough, obviously. If you refuse to save yourself and your kids, nothing we say matters.

MILLYmo0se · 19/02/2024 18:19

Casuallydressed · 19/02/2024 18:14

Yes - my parents know he uses drugs and about his drinking. Only recently about the drugs - in the last few weeks as I couldn’t keep letting my mum defend him when I’ve moaned about his behaviour - she’s used his mum as an excuse to justify everything until she found out about the drug use. She had similar financial issues with my DF when we were growing up - she had to take out loans and remortgage etc. He didn’t use drugs but never paid his credit cards off or claimed company expenses and things just ran up.
I am considering asking him to ask his DF or at least tell him about the money. His parents have aside a good chunk of money to give us for a deposit when we’re ready (if ever) and he will inherit everything when FIL passes away - I think this is how he justifies his financial irresponsibility- he’s said to me in the past that “we will own a house eventually”.
I’m scared to even broach him speaking to his DF about this though- he will tell me I’m being unbelievably insensitive or something - and I don’t think it’s fair to saddle FIL with this at the moment if I spoke to him directly.
I’m so cross at all the turmoil this grown man is causing. He’s got the perfect excuse to wriggle out of talking about it like an adult with me now too. I’ve tried multiple times in the past and he’s always managed to delay me looking into his finances.
we don’t have a joint account - I felt it was wise to keep our money separate as I knew what he was like. It also means I can’t keep tabs on where his money has gone. He earns a lot of money and likes having “nice” things and shuts me down saying it’s fine when I ask if he can afford stuff!
He earns more than me and I am financially dependent on him (or so I thought) to an extent.
Yeah I’ve enabled him too - I know I’m fat from blameless in the whole thing!

Edited

Cross?!! You are cross?! I think the people on this thread are more outraged and furious for you and for your poor children than you seem to be at this ridiculous waste of space you are saddled with!!
Re read your post..... You went for a man like your dad and put your self in the same position as your mother, but worse because you have dealer's and drug debts in your situation. How many of your 3 children do you think will repeat your or his behaviours and patterns if you don't take a stand now?

Casuallydressed · 19/02/2024 18:20

heathspeedwell · 19/02/2024 18:14

If he's been lying to you about the cocaine use then it's 99% certain that he's been lying to you about having sex with other women.

When men are out partying on coke it's almost inevitable that some women will have a quickie in the toilets for a few lines.

You need to get a divorce as soon as you possibly can before he hurts you and your children even more. You will sadly only hear the truth about him once everyone knows you are finally free of him.

He wont change. Put yourself and your children first because he never will.

I’m very much aware drug use and cheating go hand in hand. But feel like prostitutes would more be his style to be honest.
Obviously no woman wants to hear DH has been unfaithful - I’ve explained about all of his lies making me not believe that’s he’s not been unfaithful. I do feel like he’s taking for a fool. He can be very convincing.

OP posts:
SparklyTwinkleGlitter · 19/02/2024 18:21

Bloody hell. DO NOT let your parents pay off his debts!!

You need to understand that if you visited a drug treatment centre today, many of the addicts you meet there will be charming, well educated, held down good jobs, pillars of the community types and all of them selfish fuckers in the extreme.

Whilst your ‘D’H needs to accept he’s an addict before he can begin steps to recovery, you also need to accept that this relationship is far too damaged to save.

There’s absolutely nothing you can do that will solve this awful situation and your parents money will simply enable his behaviour for a bit longer. Your husband will continue to spiral out of control and further into debt whilst he’s living in denial and not taking steps to get help. The road to recovery is a very long and arduous one and many addicts don’t make it, sadly. It’s also something they have to do by themselves.

You honestly don’t have any choice about leaving the marriage if you don’t want your children to suffer any long lasting damage from living with a functioning addict. Because at some point, they’ll stop managing to function…!

scaredofthefuture2024 · 19/02/2024 18:24

OP for god's sake do not pay this and do not allow your parents to.

You're laying a solution out on a plate for him and he can't even be bothered to co-operate. Does sound like someone that is appreciating what you're offering , or will make an effort to not allow something like this to happen again?

You don't end up owing HMRC money by accident. My husband is self employed and accept you get big tax bills but that is why money is set aside. In your husband's position why can he not pay? I'd be wondering just how much he has spent on drugs etc at the expense of his bills to your family's detriment.

AnneShirleysNewDress · 19/02/2024 18:30

You and your children are living with a drug addict who is likely also an alcoholic. He is not a good father or a good man. Do not drag your parents into this mess.

He'll always have another excuse, another lie to tell. I say this from the very bitter experience of living with a mother with a drug and alcohol addiction.

Suchagroovyguy · 19/02/2024 18:35

usedtobeasizeten · 19/02/2024 18:06

In what way is this debt-ridden, lying, alcoholic drug addict a great dad?

I’m so sick of reading how these substandard shit hounds are ‘great dads’ and they’re sometimes nice to their wives as well. It’s so fucking depressing.

Densol57 · 19/02/2024 18:36

Forget worrying about being in your mid forties before you get a mortgage. You'll be mid forties and have spent another 6 years on this total utter waster. Wasting the best years of your life !

Leave him, he'll never change,
move close to your mum and dad.
ask them to lend you money to rent a place.
They can help you with child care
Honestly just get rid of this waste of space

GinandGingerBeer · 19/02/2024 18:50

You are asking your dparents to fund his cocoaine habit and his alcohol dependency.
I assume they have worked hard for their money
Tell him the offer is off the table and it's being replaced with divorce papers. And mean it!
Your kids are so young
He's taking away their opportunities and he's snorting them up his nose.

Pedallleur · 19/02/2024 18:52

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.

Absolutely this but check if your name or details is on any of the debts.

Angelsrose · 19/02/2024 18:54

Don't let your parents waste their hard earned cash! If you can please use the money to get away from your DH as you really can't help him and he'll simply make you miserable.