Credit Card Fraud by ex partner.

underdog

Hello.

I will try and give as much detail as I can in the hope someone can offer advice.

I split with my ex about 3 years ago, a little while after the break up it became apparent that she had been (for a very long time) spending money and widthdrawing cash on my credit card. As I payed very little attention to my finances I had never noticed before.

We had bought a house together and when we split, after several solictiors letters, it was agreed that she would pay me £10,000 for my half of the house and a month later £3,500 for her credit card expenditure.

The £10,000 came through but the £3,500 never did. Now this money was spent without me knowing, but of course us being a couple at the time no doubt would complicate things in the eyes of the bank. When I was paid my half of the house I made payments on the credit card so that the balance left was the £3,500 I thought was soon to be forthcoming.

Since the time of the agreement of her paying me the money the balance on the card has of course risen due to late payment charges and interest.

Can anyone advise me the best plan from here?

Lilith1980

I dont know if this will help but I remember an ex boyfriend of mine took my credit card without knowing and withdrew £300 - stupidly I had kept the PIN in the purse as I could never remember it.

I phoned the Credit Card company and they said I would have to be willing to press charges in order to get the money back. In the end I didnt because I just didnt want anymore hassle from him.

I dont know if this would aply to you or whether you would want to press charges for your ex taking money out that you never knew about?

CLAPTON

if the card is in your name then you are responsible for the debt.
it probably has already damaged your credit rating so I would suggest you pay it off asap to prevent further charges

if you wish to pursue the debt then you will need to sue here for the money. .. small claims court might be appropriate.

underdog

Thanks for the replies.

To be honest it has come to the point where I would be willing to press charges, I have asked her nicely, given her time, tried going via a solicitor and all with no luck.

Paying off the debt is simply not option I don't have £3.50 spare let alone £3,500, it has got to the point where my past is limiting my ability to live a life now, and is effecting myself, my soon to be wife and my son. If I could pay it off, then I would have, I have inclination to "get back" at my ex or anything else, this is simply a financial matter, not revenge.

Any

If via the solicitor she actually admitted that she had spend the money you must be able to take her to small claims court. I would do just that. She cannot get out of that one but the longer you put it off the worse affect it will have on your credit rating.