Big problem with credit card in ex's name .. help!

luckygreen13

Hi, don't want to explain the whole story but been separated from husband for quite a while now. While we were together we applied for a Barclaycard through our joint account. It came back in only his name - I was the one dealing with all finances so we requested it in my name too but they wouldn't change it.

Anyway, we agreed I would be responsible for the card and payments thereof. When we separated my ex agreed I could use the card as long as I made the payments which I have been doing up until now - I haven't been able to make last 3 payments and am in about £300 arrears. Barclaycard and all their buddies (mercers, resolvecall) have been phoning non stop and even sent a rep to the house - I have explained the situation but they will not speak to me about it at all. My ex wants nothing to do with it and will not speak to them either. I am quite willing to come to a payment agreement but they will not talk to me - my husband has never used the card, has never made any payments and knows none of the security questions or passwords (just me).

Any advice (even if it's to shout at me for being stupid) would be welcome!

catflea

Can I just clarify, is the account in his name and you are a named card holder? - which is what would be indicated by their refusal to speak to you. If that is the case, he is legally responsible for the debt & it will be being recorded on his credit file so he really ought to speak to them.....

mazza111

or are you using his named card?....

luckygreen13

Hi, it's his named card - I haven't used it since we separated, I've just been trying to pay it off.

jonesMUFCforever

Its his debt - no question - although the repayment of this debt should form part of any divorce settlement.

chattychappy

I think you husband will have to speak to them and pay it - they will hold him liable. If his financial situation is poor, perhaps he can make an arrangement.

He could perhaps request the original agreement and establish whether it was actually set up properly. If not then maybe he is in the clear.

Assuming he does pay it, you would then have to arrange to pay him, though this is a private matter between you.

Obviously if your circumstances change and you could find a way to pay it off then that would be the best solution. Until you can pay it off they will continue to chase him.

luckygreen13

Thanks for your replies, it helps just to speak to people without being judged. I now think I ought to speak to my ex again but it won't be easy, but at least I'll be doing something so makes me feel better

CannyJock

luckygreen13 wrote: »

Thanks for your replies, it helps just to speak to people without being judged. I now think I ought to speak to my ex again but it won't be easy, but at least I'll be doing something so makes me feel better

It's in his best interest - at the moment you've recorded 3 missed payments on his credit report as the card is solely his responsibility and you could simply walk away and leave him with the debts. You might not want to spell that out to him

luckygreen13

CannyJock wrote: »

It's in his best interest - at the moment you've recorded 3 missed payments on his credit report as the card is solely his responsibility and you could simply walk away and leave him with the debts. You might not want to spell that out to him

Hmmm ... thinking!! Knowing me I'll probably do the decent thing
Thanks

jdx

I agree the debt would be in his name, his credit file. He really needs to take note and sort it out before it effects future borrowing.