Urgent advice.

rupert_murdoch

This week I have discovered my wife has run up debts of over £20000.
She has used elaborate lies to keep this from me and gone so far as to take my wallet so I thought I had lost my bank cards. I stupidly let her run our finances always believing her when she told me our finances were in order.
She wouldn't admit this when first confronted but each time I've produced more evidence she has admitted to more debt.
She has run up £10200 on a capital one card in my name which I thought I'd payed off and destroyed, She has £1200 on a Debenhams card which debt collectors chasing, she has Debenhams card in my name ,again which I believed closed £400, argos card £700, various catalogues, a personal loan of £7000! From what I can gather from the statements I've found stashed in a wardrobe it's mostly interest on all of these cards.I'm totally confused where to start any advice very much appreciated.

PetuliaGristle

Hi rm, sorry to hear this and sure someone will be along soon to help you. At least you're aware of what's going on now. Take care.

poorandindenial

Hi RM

I am really sorry to hear that you are going through this at the moment/

The first thing you need to do is to get a copy of your credit reference file so that you know exactly what you are dealing with. You can sign up for this for a free trial (just don't forget to cancel) with (I can't remember which) Experian or Equifax. If the free trial isn't on their website then register with the cashback site quidco and it should be available thorugh that (I would usually say register with quidco and go theough there as standard but I appreciate that an extra step is probably not what you need right now)

The other option is to do a subject access request and pay £2 to one or all of the credit reference agencies for a paper copy of your credit reference file. This is probably a good idea in the longer run as different companies use different agencies.

http://www.ico.gov.uk/for_the_public/topic_specific_guides/credit.aspx