partners problem debts

katydo12

Not 100% sure I'm posting this in the right place but hope I am!

I have lived with my partner for a year and a half, in that time I have paid for most of what we have because he was having a rough time with work and wasn't getting paid. Now he has a new job and is getting adequate wages. He does not have a bank account at the moment and he gets paid cash.
I've always known that he has unpaid debts but it's never been an issue as such. Now we are obviously thinking about the future and he is beginning to worry about these debts that he thinks he has.

He is quite unsure of what debts he owes and who he owes them to, he has a rough idea.. ie he had a bank account and an overdraft which he used, had a cheque book which he used to cash personal cheques and also a small loan. He hasnt paid a penny of these debts for about 6 years.
We arent financially linked at all, everything we own is in my name and is paid for with my bank account. He is very worried that if he gets a bank account his creditors will send bailiffs and 'take our stuff'.
I'm not quite sure how to help him start dealing with all of this, how do we find out what he owes and who to etc? Also am I wrong in thinking that bailiffs would be unable to take anything we have as it all belongs to me in theory? or is this just very naive of me?!

thanks

katy

Mupette

can he have a look at his credit rating on some credit check website...

found all mine that way and dealt with them all, also sorted out some inaccuracies too

BitterAndTwisted

Is this man your partner or your child? I think he should be having a look at his credit-records and dealing with his own affairs on his own like an adult.

He isn't certain about what he owes and to whom? Unless he's an eccentric millionaire I don't believe a word of it, I'm afraid.

katydo12

Don't think theres any need for that type of comment to be honest as you have no idea of any other circumstances in our lives.

He is my partner and we deal with things together, like adults do.

go_cat

Its a good start that he wants to start sorting his debts

First stop experian or somewhere similar for a credit check

Make sure you still keep everything separate financially even bills etc

Is he named on your house at all?

DVardysShadow

katydo12 wrote: »

Don't think theres any need for that type of comment to be honest as you have no idea of any other circumstances in our lives.

He is my partner and we deal with things together, like adults do.

B&T's comment springs from all the many instances of partner debt which crop up here. You are not alone with your situation, far from it - and the DebtFree wannabe forum on this site is the best place [for your partner] to go for actually dealing with the debt.

Partner debt covers a wide spectrum from a partner who knows exactly what debt they had and why [bad split from ex?], through dependency debt [eg gambling] through debt abuse [partner puts other partner into debt] to moral fraud [ gets partner to take on credit to clear their debts and does a runner, newly solvent].

So, if partner is up for dealing with debt, off to DebtFreeWannabe's he goes, perhaps with you. But you do need to start from the position that your partner should be an adult about his debt - it is when you have problems with that, that you need support here.

Mupette

B&T

saying that, when i had debt issues i buried my head in the sand, i didn't know who i owed ....

It wasn't until i used Equifax that i realised what mess i was in.

BitterAndTwisted

If you really were dealing with things together, like adults do he would have disclosed his serious debt issues with you from the start not after leaching off you for 18 months.

RAS

And if he has not paid anything towards these debts for 6 years, they are likely to be statute barred any way, unless he has CCJs.

Have you checked?

RAS

Oh and for heaven's sake, tell him to ask for a basic bank account - no credit check and he can pay DDs etc.

Jojo_the_Tightfisted

Run away.

Fast.