He hasn't said i love you to me yet?

wow, sry to hear that but when a guy deliberitely holds back it's usually because they don't love you or are still in a relationship with someone else or are married. heavy answers i know, none of which you wanted to hearbut it would explain why he's holding back on alot of things besides just three lil words. is he older than you? has he been in a bad marraige before? maybe a lil counsoling wouldn't hurt. it might move things along in the right direction for you two and get you out of this rut. try talking to him. see what he says. do you see him during the night too?

honestly, you're a better person than me.  i would not wait around for 3 years for a guy that is still skeptical to say "i love you".  let him knows how much this bothers you, and i think you need to have a serious discusion with him about this.

Some men just think that you know.  There is an old joke that says, " hey, I told you that I loved you when we got married,.  Her reply " that was fourty years ago.

It is very to say " I love you " meaning it is something else.  Maybe he is afraid of commitment, or maybe he doesn't love you.  Write down all the good things about him, and all the bad things about him.  I'm assuming that you have sex ?  How does he behave, maybe he is married.

I know that that's the last thing you want to hear.  Check out all the possibilities.