Ex Partners owes on my credit card - advice!

Woody3_2

Myself and partner have recently seperated mainly due to money arguments.

He owes £4200 on on MBNA card solely in my name. I was stupid enough to listen when he promised he'd pay it off.

The minimum payment on the card is £125 a month which he tells me he cannot afford to pay but I'm having to pay it so I don't get blacklisted but I am struggling. They have put my interest up to almost 35% so when I pay 125 this month the interest next month is 112 so its never going to be paid off.

Please advise me where I stand as this is not my debt :-(:confused:

k.o.d

If it is on your card, in your name, I think it would be very difficult to get the card company to say you were not aware of the transactions.
I think you need to get him to pay as much as he can, or try arguing for a reduction in the money by the CCC

Pick a more trustworthy boyfriend in future

Silver_Rocket

I don't think there is really a lot you could do. If the debt is in your name then you are legally liable.

jonesMUFCforever

Sorry to be the bearer of bad news but IT IS YOUR debt.
You let him use the card therefore there is no fraud.
You can sue him for the balance but have you got any proof that a court would accept that this is indeed the case? If not your best bet may to apply for a new card and transfer the balance over.

facingthefuture

try and swap to a lower percentage rip off rate.

Woody3_2

Thank you for that.

I've sent them a letter asking them to reduce the interest, hopefully I'll have more luck then I did on the phone. This card has never been spent on he only used it for balance transfers which I stupidly helped him out with

They were 0% for ages then shot up to almost 35% its awful what the credit card companies do.

There's no point me paying my own debts off if this is the one card that gets me blacklisted :mad:

Esmeralda565

I too was "diddled" in this way. I had to sell the joint home and buy a new one for myself and children. I then had to take a loan on the mortgage to pay off the credit cards. But now an overdraft in a bank account I thought had been closed has now found me. Again ... the debt is in joint names so I am liable. I do not know where he lives. The company insisted that I pay something so I am paying £10 a month until further notice.

I have even tried going to Bingo:rotfl: maybe I am due for some good luck.

It is not fair to say choose a more trustworthy boyfriend for up until the END mine was trustworthy and was paying the monthly payments.

simon_templar_2

There is no such thing as a blacklist by the way. I take it you mean you dont want to risk a default or ccj for it. As others say, try and balance transfer some or all to a lower APR card, maybe even a loan might get it paid quicker.

I guess a lesson in caution in additional card holders on cards in case something goes wrong. Best of luck in what you decide.

Esmeralda565

With regards to interest shooting up - I have recently had a letter from capital one (recently did a 0% balance transfer) to tell me that the interest rate is increasing to 25% in March. Surely they can't do this? But on the back of the letter it states that if I cant pay off the balance in full I can continue paying at the present rate as long as I let them know and don't use the card (which I dont) and then I wont be able to use the card after. Well I dont want they services if this is how they treat a long term customer.

Try asking your credit card people for the same deal. Ask them to freeze the card to show your seriousness of not using the card. But it still is not right that you should pay it and I know exactly how you feel.

[Deleted User]

Esmeralda565 wrote: »

I have even tried going to Bingo:rotfl: maybe I am due for some good luck.

Never gamble what you cannot afford to lose, and never gamble to try to recoup previous losses.

I suggest talking to someone at Gamcare - see https://www.gamcare.org.uk or call 0845 6000 133.

In other news, I have joint accounts with my fiance!, but even if (heaven forbid) we were to split up, I would NEVER leave her with a single penny of my debt. I would share everything amicably. But maybe that's just me. Maybe I'm one of the few decent, trustworthy people left in this world.

JohalaReewi

billbennett wrote: »

In other news, I have joint accounts with my fiance!, but even if (heaven forbid) we were to split up, I would NEVER leave her with a single penny of my debt. I would share everything amicably. But maybe that's just me. Maybe I'm one of the few decent, trustworthy people left in this world.

Call me an old cynic but time and circumstances change people. In many years time, something may happen and you could feel that leaving a chunk of debt to someone is perfectly fair all things considered.