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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:
Winter2020 · 19/02/2024 21:08

I would think long and hard before you facilitate your parents paying off your husbands debts.

If they are willing to pay of the 18K and 12K then that is 30K then perhaps they would be willing to let you have that 30K as a house deposit if you leave your husband, divorce and have full financial separation.

I wouldn't do anything until I had got a copy of his credit report. These debts might be the top of the iceberg.

If your husband does not think that paying tax applies to him then a new bill will arrive each year - will your parents keep paying it?

If your husband can't handle setting tax aside/filing a self assessment etc then he needs to get a job and pay PAYE tax.

I'm sorry you are having to live like this. It sounds extremely stressful. I would start thinking about separating and so I had a chance of a financially stable homelife. Don't accept any money off your parents until you are divorced with financial separation finalised else these sums will end up in the marital pot when your assets are split.

Frangipanyoul8r · 19/02/2024 21:35

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

Nooooooo. Your poor parents must be heartbroken you’ve ended up supporting an addict, don’t make it even worse for them. Set yourself free from this selfish man child and you may find the emotional reserves you need to succeed at work.

Saytheyhear · 19/02/2024 21:42

You are one person in the eyes of the law. So that's your debt too.
Each time he takes out a credit card and runs up more debt, that becomes your debt too.
When you divorce you will both equally be responsible for that debt.
Unless you put something in place like a pre-nup.

Emptyheadlock · 19/02/2024 21:43

Do not let your parents lend him this money.

Casuallydressed · 19/02/2024 21:54

Saytheyhear · 19/02/2024 21:42

You are one person in the eyes of the law. So that's your debt too.
Each time he takes out a credit card and runs up more debt, that becomes your debt too.
When you divorce you will both equally be responsible for that debt.
Unless you put something in place like a pre-nup.

That’s not true - it’s a common misconception.
We have no joint credit at all and separate bank accounts. I know this is besides the point - but just thought I’d clear that up as it keeps being quoted as gospel on here and it’s factually incorrect. It’s obviously a different matter if in the future we had a mortgage or joint credit. He’s also no assets if we split up so that’s not an issue with those being used to settle debt.

I’m aware everyone is trying to be helpful with their input and I’m grateful. I’ve been given a lot to think about and digest.
I’ll definitely look into Al- anon/famanon. I wasn’t aware that kind of support existed for spouses of addicts.
I’ve obviously got some serious decisions to make over the next few weeks!

OP posts:
Done2much · 19/02/2024 22:04

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.

even If he has got these problems it's not for @Casuallydressed to sort them out

reading this thread there is a depth of feeling in posts coming from women who've got out of the same situation

What's stopping you from getting him out of your life @Casuallydressed ?? Coming on here and asking for advice shows you know you've got a problem but at the same time you're telling us your parents have the funds to pay off some of his debt. What are they thinking?? Why wouldn't they rather see their daughter and grandchildren in a safe environment ?

doesn't add up

Wednesdayonline · 19/02/2024 22:06

Reading this was quite sad as you seemed to have written it as though people might feel sorry for him when he sounds absolutely awful. You mention not having a mortgage together "yet", when surely he will never be able to have one if he is like this? Also don't let your parents pay off his debt! It sounds like he will just get more. You would be better off leaving and your parents giving you that money to help you get started. I'm sorry you're going through this.

Richard1985 · 19/02/2024 22:06

‘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.)’

And now you are doing exactly the same thing and even your parents are roped in as well. This guy must have a light shining out of his arse

gindreams · 19/02/2024 22:10

You can't let your parents lend you the money

Your husband needs to take some sort of responsibility

QueenBitch666 · 19/02/2024 22:15

Get rid. He'll drag you and your family down into the gutter with him

CarterBeatsTheDevil · 19/02/2024 22:15

KnittingKnewbie · 19/02/2024 13:57

Don't let your parents pay his debts
Ask them to pay for any debts you are left with after the divorce

I'm really sorry, OP, but I completely agree with this. How likely is any of this to change whilst you're still together?

Don't let your parents use their money to pay off any debts of his that aren't also in your name. Seriously. He's in thrall to drugs and drink and he's just lost his mum. Things are going to get worse, not better. There is a very real risk that you're going to find out that he's borrowed money in joint names and/or your name too. Do not let your parents use that money before you actually know what the whole position is and can judge where it's best used.

CarterBeatsTheDevil · 19/02/2024 22:23

PS I have been in this situation with a family member (not my husband) and I paid off credit card and other debts totalling well over £100K, on multiple occasions, going into debt myself to do it, before the penny dropped that they weren't going to stop running up debt. I very stupidly thought that if I took on the debt that would shame them into stopping, but it just created a mindset where there were no consequences. It's very hard to find out that your relationship with a central family member isn't enough for them to stop wrecking everything for themselves and you, but my only regret is that I didn't face that sooner and stop enabling them.

ACynicalDad · 19/02/2024 22:23

You'd be better off leaving him, but you could sign him up (really get him to do it) to Experian and their free credit check will tell you all the debts he has.

Cornishclio · 19/02/2024 22:46

I would have left him ages ago and regardless of whether his mum has died recently or not I would not have him in the house with your children if he is a drunk and a drug addict. Let him stay permanently with your FIL. I hope you don't have shared accounts with him. The financial irresponsibility would be something I couldn't live with as well as the lying.

Noseybookworm · 19/02/2024 22:54

I think your DH is not going to change. You say he's a lovely guy and a great dad but he has lied to you repeatedly for years and has got you and your DC in a disastrous financial position. If you continue to stay with him, you will endure many more years of stress and worry and your poor children will grow up in this atmosphere. You need to think carefully about your future and your children's security OP

Andthereyougo · 19/02/2024 22:56

Oh sweetheart, is he really a good dad? Excessive drinking, and drug paraphernalia in the house. And they’re the things you know about, as well as the huge debts. If this has been going on for years it’s not going to suddenly stop, he sounds like an addictive personality.
You’ll still be dealing with drug use, drinking, debt in 5 years time, 10 years time unless he’s 100% committed to a lot of detox and therapy.
Your children will come to normalise drug use and drinking.
Get out now.

Cornishclio · 19/02/2024 22:58

I strongly recommend you do not let your parents pay off his HMRC debt. You need legal advice. I assume the reason he put the phone down is because he knows his situation is so much worse than he told you. If he has HMRC debts he doubtless has others too. You better get prepared for a fight for child maintenance off him too.

CookieWarbler · 19/02/2024 23:08

Seriously OP. Raise.Your.Bar

What has happened in your life to make you think any of this is remotely acceptable? Is this dysfunctional relationship what you want to model to your kids?

Get out, don't pay his debts and kick this loser to the kerb.

kiwiane · 19/02/2024 23:08

You need to focus on getting yourself and your children away from this addict. Don’t let your parents bail him out - that money could help you set up a new home. This won’t get better but the payment of the latest debts. You seem blinkered as to how bad things are.

Sharptonguedwoman · 19/02/2024 23:16

Agreed. Divorce him but untangle your finances from his immediately.

Densol57 · 19/02/2024 23:21

Aaaaaw all these meany posters picking on your DH ! Poor man. Support him, give him your all ......... thats what you want to hear isnt it?

Pointless asking for advice when your replies show you are quite clearly not leaving him -very very sad for those innocent children.

Casuallydressed · 19/02/2024 23:33

Densol57 · 19/02/2024 23:21

Aaaaaw all these meany posters picking on your DH ! Poor man. Support him, give him your all ......... thats what you want to hear isnt it?

Pointless asking for advice when your replies show you are quite clearly not leaving him -very very sad for those innocent children.

No I’d quite like them to tell me he’s a bastard and to walk away. Which I’m already aware of. I was interested in the timing of the situation - you know, what with his mother dying 3 days ago and all that. I’m not completely callous and I’d like others opinions on navigating the situation at an incredibly difficult time in our lives.
Just so you’re aware- nowhere in my replies does it say I’m staying.
Cheers for your helpful feedback though

OP posts:
Elphamouche · 20/02/2024 00:12

Do not let your parents give him a penny.

Get out, and let your parents give you the money to start again.

OhcantthInkofaname · 20/02/2024 00:58

I put down that you are being unreasonable. I voted that because you are trying to salvage a relationship that is un-salvageable. He loves his lifestyle far more than he loves you or his children.

Gymnopedie · 20/02/2024 01:31

No I’d quite like them to tell me he’s a bastard and to walk away.

He's Olympic gold standard of a bastard and no you shouldn't walk away, you should RUN.

I’ve obviously got some serious decisions to make over the next few weeks!

This is how you do it. You get a sheet of paper (you're going to need a large one). On one half of the paper list his good points and the positives he brings to your life. Not at the 'he's a good dad' level (he isn't, by the way) but specific reasons and behaviours. Well when I said write his good points on half the paper you probably haven't covered much more of it than a playing card. If you write big.

On the rest of the sheet of paper (this is why you needed a large one) write everything that impacts your life negatively All his behaviours. All the lies. All the times he leaves you to struggle alone financially, emotionally - because his addiction is more important. You may have to write small to get it all on the paper.

This should not take a few weeks, you should crack it in a day.

THEN run!! He has absolutely brought this on himself so timing isn't something you need to concern yourself with.

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