Should I just leave?

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Newbie
Hello, new to the forum.
Looking for a bit of advice as I'm at a point where I don't know what to do.
I have been with my husband 20 years and married for 15. We don't have any children. I am 38, he is 40.
10 years ago his mental health declined rapidly after getting involved with a religious organisation which led to him overthinking and overanalysing everything he did. He developed a delusional disorder all based in religious terminology to do with God and the devil and was sectioned three times over two years.
He was then released on a community treatment order meaning he had to attend for an injection of antipsychotics every 3 weeks which kept things somewhat stable although he was retired from work due to ill health grounds and is now on benefits. He has never had any insight into his condition and 100% will not accept it's a mental illness, so all the way through I've had to tread a difficult line to get anywhere and get him seen etc.
18 months ago he was hospitalised after collapsing with what turned out to be pneumonia. This developed into sepsis and at points he was not expected to survive.
Fortunately he did recover although has been left with slight physical weaknesses.
Whilst all this was going on, his antipsychotic treatment order ended as they were unable to enforce it due to him being in intensive care and so unwell at the time.
He was visited by the mental health team whilst in the ward recovering and because he presented to them as happy and compos mentis they signed him off from their records.
Last Christmas I contacted the mental health team as he was expressing a lot of delusions again. They contacted him to check how he was doing and I then received furious messages from him whilst at work (I work full time) and was eventually effectively bullied into sending an email to the mental health team telling them I'd overreacted and no action from them was needed. He told me if I contact them again he wants a divorce.
Here we are almost a year later and whilst his mental state hasn't reached crisis point, his delusions are still there in which he rants and raves about the world being an illusion and me being a imposter/clone of his real wife. He's never been physically violent which would have me straight out the door and the ranting and raving isn't all the time - in a stupid way, I almost need things to be 100% bad 100% of the time to give me the kick up the bum to go.
I work full time so would be able to support myself financially and in fact would probably be better off as he wastes loads of money on drink and video games and then asks for money off me when he can't pay his bills. My money goes on little else other than bills and food and i have little if any for myself.
Only his name is on the mortgage as he bought the house 2 years before we met. I pay for the utilities, council tax and food shopping. Some months I have to pay the full mortgage amount as he has spent up, other months I pay two thirds of it.
He's recently received a PPI payout so has a little more money but now is just buying more although he has paid back what he owed me. Fortunately we have seperate bank accounts.
I would also feel guilty if I left as he does has some slight physical difficulties but says he doesn't trust doctors so won't get anything looked into. For instance he has fallen a few times and needed my help so what would he do if this happened when I've left? It's like I'm the one keeping everything going. What if he tries to harm himself if i leave?
I can't stop looking at flats online and imagining being out of this situation though.
It's so difficult when we still do have moments of getting along and laughing at things but I feel our outlooks and attitudes to money and things are very different.
Looking for a bit of advice as I'm at a point where I don't know what to do.
I have been with my husband 20 years and married for 15. We don't have any children. I am 38, he is 40.
10 years ago his mental health declined rapidly after getting involved with a religious organisation which led to him overthinking and overanalysing everything he did. He developed a delusional disorder all based in religious terminology to do with God and the devil and was sectioned three times over two years.
He was then released on a community treatment order meaning he had to attend for an injection of antipsychotics every 3 weeks which kept things somewhat stable although he was retired from work due to ill health grounds and is now on benefits. He has never had any insight into his condition and 100% will not accept it's a mental illness, so all the way through I've had to tread a difficult line to get anywhere and get him seen etc.
18 months ago he was hospitalised after collapsing with what turned out to be pneumonia. This developed into sepsis and at points he was not expected to survive.
Fortunately he did recover although has been left with slight physical weaknesses.
Whilst all this was going on, his antipsychotic treatment order ended as they were unable to enforce it due to him being in intensive care and so unwell at the time.
He was visited by the mental health team whilst in the ward recovering and because he presented to them as happy and compos mentis they signed him off from their records.
Last Christmas I contacted the mental health team as he was expressing a lot of delusions again. They contacted him to check how he was doing and I then received furious messages from him whilst at work (I work full time) and was eventually effectively bullied into sending an email to the mental health team telling them I'd overreacted and no action from them was needed. He told me if I contact them again he wants a divorce.
Here we are almost a year later and whilst his mental state hasn't reached crisis point, his delusions are still there in which he rants and raves about the world being an illusion and me being a imposter/clone of his real wife. He's never been physically violent which would have me straight out the door and the ranting and raving isn't all the time - in a stupid way, I almost need things to be 100% bad 100% of the time to give me the kick up the bum to go.
I work full time so would be able to support myself financially and in fact would probably be better off as he wastes loads of money on drink and video games and then asks for money off me when he can't pay his bills. My money goes on little else other than bills and food and i have little if any for myself.
Only his name is on the mortgage as he bought the house 2 years before we met. I pay for the utilities, council tax and food shopping. Some months I have to pay the full mortgage amount as he has spent up, other months I pay two thirds of it.
He's recently received a PPI payout so has a little more money but now is just buying more although he has paid back what he owed me. Fortunately we have seperate bank accounts.
I would also feel guilty if I left as he does has some slight physical difficulties but says he doesn't trust doctors so won't get anything looked into. For instance he has fallen a few times and needed my help so what would he do if this happened when I've left? It's like I'm the one keeping everything going. What if he tries to harm himself if i leave?
I can't stop looking at flats online and imagining being out of this situation though.
It's so difficult when we still do have moments of getting along and laughing at things but I feel our outlooks and attitudes to money and things are very different.
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With a completely dispassionate head on. You appear to have done a vast amount for him over man many years. That input is really not being repaid in any way and you and your happiness are suffering. That would perhaps be fine if you could see light at the end of the runnel and the man you married returning but I don't think you can. Perhaps harsh, but if it were me in your position, I would have had that list of pros and cons drawn up, seen the pros outweighed the cons significantly, kicked myself up the bum and left. While he has issues, your husband is an adult. If he tries to harm himself, that will be his decision and yes, you will I'm sure feel guilty but he is responsible for his own actions. Not you.
Ultimately, though, you can't hold yourself responsible for what your husband chooses to do, even to the point of endangering himself. Nothing you do or don't do can 'make' him decide to harm himself. You don't have to decide immediately but consider two things; first, do you want to look back in another 10 years a wish you had left now? Second, as someone once asked me at my lowest point, 'do you not WANT to be happy?' You can't be responsible for anyone else's happiness (or contentment if you prefer) but you ARE responsible for your own in the sense that you can leave a situation that makes you unhappy.
In practical terms, get some legal advice on your position if you did decide to divorce. Whether your name is on the mortgage doesn't matter because you're married so the house is an asset of the marriage. So are your cars, savings and pensions and any other assets of value. The normal starting point when there are no children is 50/50 split, the value of everything being lumped together, less any marital debts like the mortgage, car loans (but not gambling debts) and the remainder shared equitably.
In your situation, the fact of your husband's illness complicates matters, because he's unlikely to be able to financially support himself and can demonstrate that he's been financially dependent on you for some time. Unfortunately, this may mean he could claim spousal support from you, although that would have to be offset by any benefits he could claim as a single person. To get an idea of what he could claim, check on turn2us.org.uk. Whether he'd be able to afford mortgage repayments from benefits is doubtful but not impossible. A Judge would consider your housing needs, too, so that you can also afford a suitable home (with a mortgage is necessary) and your retirement needs, so that you can still save towards your future pension.
All of the above is very general and your specific circumstances should be discussed with a solicitor. Just seeking legal advice doesn't commit you to anything. It just gives you additional information to help you decide what, if any, next steps you want to take.
You need to think what you want in the future.
It doesn't sound as if things will improve so can you continue with things as they are?
Dealing with someone who has mental health problems is very trying. You must consider your own health and well being.
You may need to be selfish and do what is best for you.
You have accepted things for a long time but you are also entitled to a life.
Good luck with whatever you decide.
You may feel guilty once you left but as others have said it appears you have decided already.
But be aware of who you may end up with next time as most people, 99% will be nice to you when they are looking for fun and more and the majority will be good/ok/etc but there are a few in there that may be very unpleasant
and not have a penny to their name but pretend they have but in reality seeking what they have wealth-wise.
Only you can decide and I wish you a great future whatever you decide to do
ps - those that know you, some may see you as abanding your spouse who is not well but I guess you already know that and others will support you. Your choice.
And while you are there holding it all together, services are getting off the hook.
You may be inadvertently enabling his behaviour, or you might have a bit of a saviour complex going on which can happen when someone has been in a caring role for a long time. Or in the end you might decide that actually the good times are worth hanging on in there for. But it is about what’s right for you not just about worry for what might happen to him.
I have a relative who has been mentally unwell and in and out of hospital for a long time, to the point where he was declining treatment for cancer. It was only when the family member that he lived with decided that they couldn’t cope anymore that things started to change. He was sectioned again, and is now in supported living. His mental health probably won’t ever be great but he’s certainly doing better than the life he had for the last 10 years of rarely leaving his bedroom because of his delusions.
I started over nearly 6 years ago, slightly older than you and I packed what I could get in my car. When I divorced him I went for nothing financially as I could start a new life a lot easier and knew dealing with it all would have fallen to me. Life is so much better, I laugh and joke and have my own place after saving and clearing debt from the time I was with my ex.
You've one life and are entitled to be happy and relaxed.
In my opinion….(try to structure my thoughts):
I think if your seeking an answer to the question should you leave? You’ve already come to this decision but looking for permission from others so that you don’t feel your actions are unreasonable, I don’t mean this in a horrible way either I’m not taking a dig at you I’m just making an observation from the tone of your post, but yes it is ok to leave, yes it is reasonable, no it’s not horrid or abandonment to answer the question fully as I see it.
Mental illhealth in this severity is very taxing on a person, it challenges the very core of a persons ability to have the patience of a saint with a person who should have reason and rhyme to their thoughts and behaviours as an adult but do not, what concerns me here is his perception of you he sees you as a clone rather for who you are, this perception can be dangerous in certain settings and couple that with a deep religious somewhat misbeliefs and emotional instability it could potentially make for a frightening set of circumstances in which someone can be hurt not saying it will but the potential is there.
If you were to leave, I would plan it (without his knowledge until you have it all in place),
put the money, clothing, your housing, and letters sent to friends or a colleague or to work for stuff you don’t want him to see or know about, everything for your basic needs essentially and have the divorce process started and tell him the day before he’s served with the paperwork, all there first, then I would contact his mental health team and speak with them, tell them what you’ve told us, tell them your now intending to leave him but not without first knowing there’s going to be a safety net for him when you do so he has the help he needs. Giving them numbers for his parents, sister etc or to who ever would be giving him direct support when you leave.
I wouldn’t be alone in telling him your leaving and want to divorce, I know someone who didn’t tell their spouse at all and just left and never returned after getting everything sorted out had her solicitors as a forwarding address and everything with police was sorted as she’d called them that day she had told 101 that she had intended to go silent and not return and that she was safe and gave them a forwarding address for their records if they needed to do a physical check but told the police never to pass on any information other than she’d been located safe and well and her spouse would hear in due course from solicitors. She instructed a solicitor from 20 miles outside of her physical location just incase he turned up at a local town at the same time as her going to the solicitors office.
I would NOT tell him in a isolated alone circumstances like at home or at work car park.