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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Husband in debt and constantly lying

8 replies

KeepingMum86 · 05/03/2025 14:13

Ok, this is an attempt at keeping a long story short. Got engaged, found out I was pregnant so hurried the wedding before the baby (and lockdown) came. Nothing was quite right from around the time the baby came and I ended up staying in my house and he was in his (live in the same road), never lived together. He has terrible snoring and didn’t follow treatment from the hospital so that never improved and we have been unable to share a space. This sets the living arrangement scene.

now to the debt…

so fast forward 3 years of him never chipping in financially, me unable to work more than part time at home, me paying for everything for the child and, if it wasn’t for my elderly parents I’d have lost my home etc. he finally blurts out he has taken a 2nd mortgage consolidation loan for 20years to pay off £30k of secret debt I knew nothing about. He will pay back x3 what he owed. That was quite the bombshell. We had no holidays, no wedding (I paid for the service, no celebration party etc), no big purchases, literally nothing to show for it.

he was never going to do it again or lie, or not communicate etc and started antidepressants but he ditched them after 2m and lied about that. 9m later I found out about another loan which he denied then admitted but said it was £2k and he wouldn’t take it. A month later I discovered it was £4k and he had taken it. WW3 broke out and he sobbed that his mum hates me and he isn’t close to his family and will star5 communicating blah blah.

novemeber comes and I find credit cards, I hit the roof, he disappears, the child suffers for 2 weeks then goes into a full school refusal etc. now I have her part time in school only so can barely work at all. He still doesn’t pay for her at all and now has another debt solution in place which means he has no credit for 5 years.

I feel utterly cheated. I want a divorce to be free from that hanging over me.

am I being unreasonable?

OP posts:
Rainbowclouds101 · 05/03/2025 14:15

Please OP I mean no offence here, but it doesn’t sound like you’ve ever had a marriage with this man. You were married on paper but that’s it.

You deserve better. I would divorce and move on with your life. You’ve got so much time for better things.

Octavia64 · 05/03/2025 14:16

Get a divorce.

DrummingMousWife · 05/03/2025 14:16

YABU not to get a divorce.
get out of this as soon as you can.

Devonmaid1844 · 05/03/2025 14:17

This isn't someone who hasn't understood their budget, he's lied consistently and taken on more debt. Be careful as he will be entitled to half your equity, pension, etc. even though he's not lived in your house. The quicker you sort this the better for you.

DoYouReally · 05/03/2025 19:19

There's zero benefit to you and/or your child in having this nonsense continue any longer.

Why have you not commenced divorce proceedings? The quicker the married ends, the less claim he can have on your assets.

Blueberry911 · 05/03/2025 20:15

am I being unreasonable?

The fact you're even asking that is a bit odd. You very obviously shouldn't spend a day longer with him and I'm not sure why you've already invested this much time in. The whole time he's been actively showing you he doesn't care about you at all.

KeepingMum86 · 05/03/2025 21:20

Update

i did actually send divorce papers and they were rejected so I need to redo the application. The hesitation has likely come from living with this situation for so long that is has become normal. I have PTSd, anxiety and depression from it (on tablets) so I’ve been questioning my own thinking and second guessing myself a lot. I think I made the post to see what other ladies think and to confirm to myself that I’m not being unreasonable if that makes sense

OP posts:
CheesePlantBoxes · 05/03/2025 21:28

If you feel yourself weakening, re-read this summary of your marriage:

"We had no holidays, no wedding (I paid for the service, no celebration party etc), no big purchases, literally nothing to show for it."

^^this isn't what love and marriage is supposed to be. Love yourself and your child enough to go free.

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