Sticky situation

Clarence_e_sue

I have found myself in a sticky situation and would appreciate some advice.

My ex partner and I separated last November, to be far to her I continued to pay my share of the bills for a further two months.

I was in hospital in January and received a call from her informing be that I must pay her for a loan that she has taken out on my behalf. She insisted I pay her £200 per month. This telephone conversation was the first time that I had heard about this 'loan' and I have never seen any paperwork or money. When I asked my ex what the money was used for, she informs me that she cleared some of my debt when my mother had passed away, I have no recollection of this. I have since has an IVA.

I have asked on numerous occasions for a settlement figure as I have no idea how long she will require me to continue paying her.

I contacted my ex this week to tell her that the payment of £200.00 a month is too much for me and that my circumstances have changed, she was not happy at all. After numerous angry text messages I informed her that I would pay £200.00 per month until November then I could only afford £70.00 per month.

I am at my wits end with this to be honest. I really want to move on. I would never of asked her (or anybody else) to take a loan out on my behalf.

Any advice would be appreciated x x x

Tixy

Hi and welcome

I presume you know that legally she cannot make you pay anything towards this loan?
If she took out a loan in her name then she is legally soley responsible for it. If she fails to pay it then that is down to her and it will be her credit rating affected.
We always advise people on here not to take out loans in their own name for other people as you have no comeback on that person without a written loan agreement between the 2 people (and even then they would need to take the person to court to try to get in enforced).


If you choose to then you could easily tell her that you will pay nothing. Obviously only you know the situation between you and whether this is what you would want to do. Do you have any joint financial products at all? joint loans or bank accounts or a property in both your names?

If you choose to pay her something towards this loan then I would ask her to show you the documentation of her loan and then something to demonstrate that all of the loan was used to pay off debts of yours. I would make sure that this is all done verbally. You don't want to give her anything written that could in anyway be construed as you admiting you owe her this money (not even text messages).
If she can prove the loan and you want to pay her then come to an informal arrangement to pay her an amount you can afford.

As you have has an IVA in the meantime (presumably she knew about it) then the very fact that this debt to her is not listed would help your case that you knew nothing about it and do not owe her the money.

podperson

Ok to sound a little harsh here your ex seems to be taking the mickey out of you. She says she has taken out a loan 'for you' when you have not asked her to and knew nothing about this at the time. Can she prove to you that this money actually went on your debts? Since I assume this loan is in her name you have no legal obligation to pay anything at all towards it and I certainly wouldn't be giving her anything else until she gave me the full details of the loan - when it was taken out, how much for, how long it is running and what the money actually went on.

KingElvis

Money to ex partners is not always clear cut, I know this.

Many years ago, my ex squeezed me dry using all sorts of dodgy tatics but mainly emotional blackmail, threats and gossip.

In the end I just had to say that's it, no more......shudder......it was a terrible time for me so I know how you must feel.

Good Luck

Clarence_e_sue

Thank you so much for taking the time to reply.

I have no other financial ties to my ex. I just hope that this situation can ber resolved and we can both move on x x