Card Crisis

cardfool

I foolishly some years back allowed my then partner to use my zero balanced creditcard to pay off some debts so he could avoid ccj's (thinking of our future together), since then he used my card to buy an expensive camera and a bike which I approved but shortly after he lost his job and needed the use of my card again to get by. I allowed him to use my card as the borrowing facility was available and I could see exactly how much he owed me in one place for ease of paying me back.

Well now the relationship is over and the card is at £5500, and the commitment I have recieved to pay back the card is neither here or there. I have considered going to a solicitor but he tells me that if I do, then what was purchased would be considered a gift and I would get nothing and also I'd be in trouble for letting him use my card in the first place. He also threatens that if i was to have a successful judgement that he'd make sure he payed back the littlest as possible so i'd be better just to take from him what i can when he can.

Does anyone have any experience of this. Am I going to have to pay back all this money that has been used in my name for the benifit of another??

Thankyou

jonesMUFCforever

See a solicitor now.If he does not pay then a CCJ against him will prevent any future credit for him unless he finds another mug.

To answer your query YES you are responsible for the whole debt and interest as he used the card with your permission. Sorry if that is not what you wanted to hear.

storminbalder

I really feel for you, as I went through a similar thing with an ex-partner too. Ironically for exactly the same amount (£5,500) when i'd taken out a loan to consolidate all her scarily high interest debts in order so that she may avoid bankruptcy.

She was supposed to meet the (much lower) repayments of this very low interest loan, and did - for about 3 months!

I did it on trust - stupidly, and had nothing in writing. Yes a verbal contract is just as good in law as a written one in theory, but is damn hard to prove.

I just forgot about it as didn't feel it would do my health much good chasing something when I was unlikely to ever recieve a penny.

I had considerable debt myself, and following redundancy was forced down the bankruptcy route myself a couple of years later - so in my case I don't suppose it mattered anyhow.

My advice, as hard as it may be to bear, is to put it down to experience and try to forget about it. It si easier on your health. I doubt he intends to pay you much if anything anyway.

But then I'm soft in the head, and will always look for the easiest option.