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wegle

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Tixy

If any of his creditors know his current address and have updated it on his credit file then that is how they will have found his new address.

It isn't nothing you are right, and if he does owe it then he could do with contacting them in writing to ask for proof of the debt and then arranging to pay in installments.

These people are probably debt collectors and have no rights to take your possessions or car. Only if they were baliffs (and the letter would say) and there was a CCJ in place could anyone start trying to levy on your car. It doesn't sound like they were though.

Ideally you need to get him to tackle this, if he won't then a key thing for you is not to have any joint accounts/loans etc with him, as if he has s poor credit rating it will bring yours down as well.

Hannah_10

First things first, confront him. He wont like that you've snooped but I bet he will be glad he doesn't have to kep secrets anymore. There's a new post in here at least once a week where some poor creature says they are petrified thier partner will leave if the debt is discovered. The sheer relief when the debt IS dscovered and the partner is on-side about it is incredible.

Then you set about dealing with it, in all liklihood the best resolution will be along the lines Tixy has outlined for you, however bear in mind he might have other debts. So when you've talked to him and cleared the air make a full list of any debts (if that's proving difficult he can check his credit file for help, see here for how, is usually free). When you know what he's truly in line for then we'll be able to help you work out the next steps.

Not being able to pay it all off in one go is fine, (no matter what the letter says). If he's not sure he owes it, or if he owes it but it's gone up since British Gas still had it then we can show you what to do next there too.

As I said, it all depends on you two talking and getting a better picture of his full situation.

PS: Whatever you do don't phone them. That goes for him too.