For all intents and purposes he is a gambling addict.
It may not be things traditionally seen as gambling but that's exactly what it is. It also suggests to me he wants huge gains for little effort - so he's lazy at heart too.
You could well still find your own credit record damaged. Would be a good idea to check it anyway.
"Because people like this will use your name to open new credit cards without you even knowing." Also payday loans, goods on hp that they sell... Yep I've a couple in my family too.
"And his 35k is on a dmp" this is basically last stage before bankruptcy.
Not surprised he's living with his dad he clearly can't handle his finances well enough to live as an actual grown up! If you stay with him you will just replace his dad as his go to for bailing him out and you'll HAVE to as otherwise you'll lose YOUR home, good credit etc.
You could run a credit check on him but in all honesty its pointless, you know he is irresponsible, immature & "moody" at 30 and by the sounds of it no kids (yet? Do you want kids?) definitely right to get the hell out of dodge right now!
Bet his dad adores you/treats you great too? That's cos you're HIS escape from supporting his son.
Interesting it's a cleaning business. My friend owns a contract cleaning business it's taken her many years to build it to where it is now. One contract does not a business make especially in this arena, companies have high expectations for low payment. My friend started off doing it as just her cleaning houses, then as her REPUTATION (this is a HUGE factor in the cleaning industry) grew, she hired other cleaners and some of the people who's houses she cleaned asked her about corporate cleaning contracts. She started doing for them and her good rep got her more work and so on. It is NOT an easy business to run and it is not an overnight success one either.
Cleaning - like any other business - requires some initial outlay. Eg you cannot use normal household hoovers for corporate cleaning contracts, they're often just not good enough and burn out quickly, tending to overheat if used more than for relatively short bursts of time. Also of course detergents (and while you want to keep costs low you also need effective products plus many corporate contracts specify to use green products or low allergen ones), cloths, sponges, brushes etc.
Whereas this guy has a contract yet it doesn't even sound as if he's done a business plan! Has he even considered all he needs to do re insurance etc?
Sounds like his dad indulged him due to losing his mum young - that's done him no favours at all, his wife left for the same reasons you are essentially - his refusal to grow up and take responsibility!
Clearly his dad also never told him the story of the tortoise and the hare either!
As for "hard life" I'm the daughter of a violent abusive alcoholic and his enabling wife, with a narc dad and sister, survived csa, divorced single mum to a dd with a disability, who's ex was never reliable for either contact or cs, I've lost 3 babies and I'm now disabled following a serious car accident. And even after all that I went and got a regular bloody job! Not beneath being paye at all! I'm currently not working as my health has deteriorated but I'm HOPING next year (after the whole brexit mess has settled and hopefully health improved) to find a way to work from home. And there's certainly people on here have had it/got it a damn sight worse than me too! Has he fuck had it hard! Loads of people are the children of single parents (including where that parent is male) they don't bleat on and use it as an excuse not to be responsible!
The Coke would have made me end it then and there. I'm vehemently anti drugs and Coke heads are always arse holes anyway! I bet that's the real reason for his "moods" and he never actually stopped too.
It concerns me you're still having ANY contact with him. Why? You've no children together, soon as you have all your stuff away from his clean break.
It's hard when a relationship ends especially this time of year, but it's necessary here.