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nasty surprise from wife !!!

lurchy
lurchy Posts: 36 Forumite
in Debt-free wannabe
have my wife in hospital at moment , and have just found out she has a credit card debt of near £1300. when confronting her its come to light that she has cut up card and ignored all bills due to ill health and having no work:mad: ...! i have spoken to the collection agency and nationwide but its not my account so wont talk to me . to make things worse wifey cannot find account number as she's binned all details so we cant pay any....and yes i am not very happy... any advice would be great.. am thinking put it on my card then transfer to 0% card and get rid asap... thanks
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Comments

  • skint-student-nurse
    skint-student-nurse Posts: 1,344 Forumite
    i think if you transfer the balance,your wife will need to be an additional cardholder on that account.
    ;)
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    skint-student-nurse wrote: »
    i think if you transfer the balance,your wife will need to be an additional cardholder on that account.
    No she wouldn't :)
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
  • skint-student-nurse
    skint-student-nurse Posts: 1,344 Forumite
    Kavanne wrote: »
    No she wouldn't :)

    lol,ok. everyday is a school day,i stand corrected :rolleyes:
    ;)
  • VfM4meplse
    VfM4meplse Posts: 34,269 Forumite
    10,000 Posts Combo Breaker I've been Money Tipped!
    lurchy wrote: »
    to make things worse wifey cannot find account number as she's binned all details so we cant pay any

    Wait for the next letter, they come frequently enough.
    Value-for-money-for-me-puhleeze!

    "No man is worth, crawling on the earth"- adapted from Bob Crewe and Bob Gaudio

    Hope is not a strategy :D...A child is for life, not just 18 years....Don't get me started on the NHS, because you won't win...I love chaz-ing!
  • butler_helen
    butler_helen Posts: 1,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    get your wife to write a letter with a doctors note accompanying it, take it to the nationwide and then they will give you details- then, whilst in the branch with the help of the staff, ring up, get the balance moved and hey presto it should be yours.

    I used to work A&L and we did this once for a man who was in hospital for ages and couldn't write- the doctor had to write and say so- it took a week or so though- and a lot of phone calls.

    hope this helps and is still up to date info.

    H
    If you aim for the moon if you miss at least you will land among the stars!
  • lurchy
    lurchy Posts: 36 Forumite
    hopefully she will be out wednesday but mobility is an issue . will try and get her down there .. thanks
  • lurchy
    lurchy Posts: 36 Forumite
    have just spoken to collection agency , they have offered a settlement figure of £772. am a bit confused by this. will credit co write off £500. am awaiting a letter from em. bit better than £1300 at least.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    lurchy wrote: »
    have just spoken to collection agency , they have offered a settlement figure of £772. am a bit confused by this. will credit co write off £500. am awaiting a letter from em. bit better than £1300 at least.


    debt collecting agencies will often accept a reduced payment to clear the debt... original lender are mere resistant.

    You could of course offer less

    But make sure you get it in writing...make sure it says its in final settlement of the debt and try to get them to mark her credit file as settled (you may not be successful with the last but getting it in writing is essential)

    I would suggest she gets copies of her credit files to see what damage in on them and likewise yourself.
  • Little_Chicken
    Little_Chicken Posts: 2,798 Forumite
    Part of the Furniture Combo Breaker
    skint-student-nurse wrote: »
    lol,ok. everyday is a school day,i stand corrected :rolleyes:

    It totally depends on the lender. I transferred some of my sister's debt and she did beed to be on the account. HTH.
    :grin: Save me from spending...
    Sealed Pot Challenge 2008 - £1004:T 2009 - £1139 2010 - £1260 :j 2011 - £1557 2012 - £740 :beer: No 195 Target £1k
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    Little_Chicken wrote: »
    It totally depends on the lender. I transferred some of my sister's debt and she did beed to be on the account. HTH.
    Which lender asked you to do this? Would be good to have a list.

    Even if the original owner of the debt is an additional cardholder on the account they are still no longer responsible for the debt. Only the new account holder is responsible for the debt once it is transferred.
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
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