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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:
Kelly51 · 19/02/2024 19:17

But feel like prostitutes would more be his style to be honest.
If you can write this about your 'husband' I think you have to accept this isn't a marriage worth wasting any more time over.

Parentingistoughas · 19/02/2024 19:25

Reporting this thread as it must be a wind up. Op apparently still dreaming about eventually buying a home with a supposed druggie. No one is that blind

CommentNow · 19/02/2024 19:31

This is the perfect time to leave. He can move in with FIL, you can move home pretending that its t give him space. Then after a few months say you dont think it's working and split up properly. Itll be easier on the kids.

You say 6 years before a mortgage. Honey, he wont have changed in 6 years. You're wasting time.

You say his parents enable him and yet you're gig to let them bail him out so in a way youre enabling too.

Six years you could be remarried and mortgaged and closer to family support.

Pack a bag and start planning your new life. You know you wint regret it

CatMum000 · 19/02/2024 19:51

He's lying. He will not change. The debts will get worse. He plays nice at home because you are a meal ticket to support his otherwise irresponsible loser existence. This is the voice of experience, I had to remortgage my house due to a similar situation, that only ended because my then husband died , and I discovered the true extent if the debts and lies. I'm now married to a lovely considerate man, life gets better.

Optimist2020 · 19/02/2024 19:55

@Casuallydressed i can’t believe your considering your parents bailing your husband out. Why would you have 3 kids with a drug user and alcoholic ? You mentioned a deposit to buy a house . I can’t imagine your DH prioritising a mortgage & being financially irresponsible . Good luck .

ThinWomansBrain · 19/02/2024 19:57

yabu for still being with him.
don't let your parents lend him money - it's only propping up his habits.
when you wake up and leave, you may need to borrow from them if they can afford it to set yourself up in your own home.

Mnk711 · 19/02/2024 19:58

Don't waste your life hoping for things to get better, they won't unless you take action. If your parents are willing to and you could borrow enough, use their money as a deposit and get yourself a mortgage on a flat or small house without him. He sounds awful - whatever other redeeming features he may have you ultimately cannot trust him and that's not OK in a relationship. Before you leave, if you can, try to gather evidence of his drinking and drug use to use in handling custody of the children. You may he happy for him to have them alone at the moment but that may change if his addictions worsen if you leave him, so arm yourself just in case.

EC22 · 19/02/2024 20:02

Do not let your parents pay that bill!

PonyPatter44 · 19/02/2024 20:06

Stop enabling him!! In one breath you're complaining about everyone in his life enabling him, and in the next you're suggesting that your parents give him 18k to pay off his dealer HMRC.

It would be better if your parents gave you the 18k to pay a deposit and starter rent on a place for you and the children, away from this pitiful loser.

JustmeandtheChickens · 19/02/2024 20:08

You need to raise your standards.

How will you feel if this pattern of behaviour is repeated with one of your children.

Get out now - and set an example which shows them this is not normal and should not be tolerated.

AcrossthePond55 · 19/02/2024 20:10

@Casuallydressed

Why on earth would you ask your parents or his father to pay off this wastrel's debts? He accrued them, he can pay them. If I were one of your parents I'd tell you that I'd gladly pay for your divorce, but not one penny towards that debt.

I'd see a solicitor to be sure I couldn't be held legally liable for any of it, then I'd leave him. He's an absolute waste of oxygen and deserves no consideration whatsoever.

femfemlicious · 19/02/2024 20:14

Just divorce him....NOW!!!

Codlingmoths · 19/02/2024 20:19

You’d be better off burning 18k than transferring it. Tell him it’s his own fault for having refused to be transparent and you’re sorry it’s bad timing but you are done finished kaput and never ever want to be in this same miserable space in your life again with a lying bullshitting drug addict who has zero respect for you. Tell him he can stay at his dads while you work out separating.

IDontOftenComment · 19/02/2024 20:19

Your husband drinks a bottle of wine every night and is a cocaine addict, he’s prepared to use your parents money to pay his debt so that he can continue to fund his habit!
Stop and take a long hard look at your situation OP and think of your three young children growing up in the home you share.
Is this honestly the life you want for them?
Grieving or not you need to stand firm, do not let your parents lend him money, in fact I can’t believe they’re even thinking of doing it knowing of his addiction.
You all need a reality check.

tolerable · 19/02/2024 20:24

Are you liable for HIS debt?
HE IS NOT a great dad -he is a self centred,cocaine-adfdict- snorting(and blood?thats not a "normal comorbid"hes baw deep)
He has shamelessly lied n denied AT EVERY point in this.
You asked him to get clear details "so then i can pay it?" wtf
Your parents - do they know ALL this. ?? they are as well throwing 18k in a fire. they arent get paid back-whatsmore-hes still 12k deep.that he isni zakli stress about.
yes tis very sad when a parent dies but ....you are actually throw sympathy at devil. He is not at fil, making sure his dad is supported through bereavement is he-hes convieniently ducking OUT of come home to face reality HE created.
IS he lovely??? really-sure if i was off my tits, high as sky n everybody treated me like i'm a baby i might be pretty percievable as lovely too--- take the wine and the coke away?
You got self a pathetic,mentally distressed, physically rattling -man who is STILL no use to you or kids and unless and until him goes that low and gets through to the other side..of HIS OWN FREEWILL -he isnt gony.
sorry doll-but thats the facts.
lovely,great dad? NO
YOU are once again pick up the pieces and finding a solution- for his twattery.
YOU CAN NOT TRUST A WORD HE SAYS.he makes vague token gesture then ...overides into a alkhehol addict.
YOU CAN NOT CONTROL THAT - at all,ever .sure its fukin horrible,its addict its called a disease and thats cos of impact.NOT bloody catching tho.Its NOT incureable but theres only ONE way to do that.
YOUR mental health is key.DO YOU.you already capable of strength,resolve and compassion beyond the extreme. Show up for yourself.
HE mr lovely great dad..might have loveable characteristics.BUT. for your sanity, and the lives of your kids.Ditch him.
YOU ARE ALLLOWED. What he do last 3 yrs mam was terminal? same as ever did. guaranteed.his dad-prob does need support but a permanent supply of wine in exchange for company of his responsibility ,avoidant son is NOT cutting it.
Your ma+da...are there for you. and the kids.
Go speak to a lawyer(first go is free usually)
really fucking cross at him?
he doesnt give a shit,what likes ,when likes.
cut him loose. hes all he ever gony be.

Nicole1111 · 19/02/2024 20:32

With kindness this is text book addict and enabler behaviour from both of you. You absolutely cannot expect your parents to join the list of people who enable him. He is NEVER going to take responsibility while everyone around him babies him. He might not take responsibility even if you all stopped enabling him anyway because his addiction is deep seated and long standing and he appears completely unmotivated to address it.
I also worry for your children as your relationship with their father will be setting the tone for their own relationships in terms of how they treat people and whether they have boundaries and can advocate for themselves etc.
Do you attend al anon? If not I’d prioritise finding a group urgently over anything else.

StripeyDeckchair · 19/02/2024 20:35

I haven't read it all as I've not got time to read a novel this evening.

Why are you staying with a debt ridden, alcoholic, drug addict who lies?

Elsewhere123 · 19/02/2024 20:38

Have you considered he maybe bipolar or have other mental health issues. Self medicating and money problems are common combined with really being really good people but subject to huge mood swings. Diagnosis and medication could help.

Howlongwillthistake · 19/02/2024 20:38

If a friend told you it was her husband what would you advise?
Look after you and you children first and foremost.
Deep down you know what to do, it's just plucking up the courage to do it. Hardest task is to take action.

Nellieinthebarn · 19/02/2024 20:40

He’s a great Dad to our kids, and he’s actually a lovely guy

No he isn't, he pretends to be to keep you sweet. He is a drug addict, an alcoholic, and a liar.

trainboundfornowhere · 19/02/2024 20:46

My DH will own a house one day too OP but that doesn’t mean we behave in a financially irresponsible way now and hope the house pays off the debts while also wrecking our credit rating. All he has done is lie to you smoking, vaping, drugs, alcohol and money. You cannot trust anything he says and he will never change but he expects you to always be there and accept coming bottom of the pile. Grow some self respect and LTB as you and your children deserve so much better.

ThePoshUns · 19/02/2024 20:50

He's never going to change.
He's a feckless, spilt man child.
If your parents have money to lend , you borrow it yourself to get your own place away from this loser. You will never be at peace living with him.

Bryonny84 · 19/02/2024 20:54

Time to go. He won't change believe me. Ask your parents if you can stay with them if it's at all possible and then slowly sort things out. If you don't leave you will end up with some if not all liability for his debts. Do not let your parents pay off his debts. It's time for this baby to stand on his own two feet. A new and better life awaits you, you just need to make the first step. He's an addict, yes, but also a user and he's not doing that much to help himself is he?

RedToothBrush · 19/02/2024 20:54

He loves his cocaine and alcohol more than you.

He loves them more than his kids.

He's not a great dad. You have been left struggling. It's affected you which affects them.

Do you love your kids and parents?
Don't put this on them.

Walk. Now.

And do not look back or feel guilty towards a man who disrespects you this much.

The timing has no relevance.

Mrsgreen100 · 19/02/2024 20:57

He’s an addict and a lies
don’t please let your parents pay his debt
you need help for your new life
please leave him
addicts are expert manipulators. I’m guessing you’re in his loop and still think you love him. This isn’t what Love looks like.
get out save yourself for your kids

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