how did anyone give my wife £20k worth of credit on a card when she was unemployed

Quirkylass

KimYeovil wrote: »

I did not say 'all'. But, yes, even without the "my little precious is special and needs bonus payments" premiums a parent with two or three children will receive twelve to fifteen thousand pounds benefits (plus housing and council tax on top).

Offensive as the parent of a child who is somewhat disabled, I would never use those words and doubt many would and I do not expect bonus payments though there are benefits my child is entitled to, not me, my child

The OP started this thread regarding his wife's debts that he had no idea of so what the heck do you mean about the benefits? He didn't mention benefits so I don't see where they come in unless the OP tells us they are in receipt of them. The OP is strugglying to come to terms with what has happened and spouting about benefits that they may or may not be entitled to is not the issue. Offer advice, answer his questions and support him. End of,

Weller x

Quirkylass

[QUOTE=opinions4u;43986062]When my wife was reliant on an allowance from me, she had her own credit card, used it responsibly and had at least some feeling of financial independence as a result. Well, wasn't she lucky, and you so kind giving her an allowance, aww

I think your post belongs to the 1950s. As does yours

Women are capable of using credit cards responsibly even if they have low incomes or their only income comes from their partner .Are they really, do you honestly mean that, Duh, I never thought I'd be able to manage a CC, be capable of using one - well I never. Are you sure, 100% sure? As I never thought I could, being a woman and all that, I feel so enpowered now, thank you so much. Ladies, we have much to learn[/QUOTE]

:rotfl::rotfl::rotfl::j:j:j

Weller x

CH27

Kim seems to have a huge chip on her shoulder about benefits:huh:

opinions4u

LovelyLeeds wrote: »

OMG, forgive me but your post is loaded with fruedian irony!

Anybody would think it was intentional ...

SnowTiger

boris_blackcat wrote: »

my wife declared the house hold income i.e my income I did not sign any forms or agree to gurantee any payemnts. it seems Halifax even sent me a card that I never used or activated

Do you know if it was a joint application or did she add you as an additional card user?

If it was a joint application that you knew nothing about I think your wife has been a very naughty bunny.

Valli

well my bet is that she was given a small credit limit initially, always paid up on time and got her credit limit raised...and raised...
and then, of course, once she had an established 'good' credit record it just snowballed from there.

So THAT'S how.

MyLastFiver

KimYeovil wrote: »

The difference between what a single person and a couple is expected to live on. (Miscalculated by £500, though - should have been £1700).

I am not fighting nor am I being judgemental. I am simply pointing out that the effective after tax income of a household with children is not trivial. If someone maintains their existing accounts and pays on time there is little surprise that sizeable debts can be granted. An unmeployed parent with three children can easily have an effective gross income of £35K minimum. The OP did not say the parent had been given a single card with a £20K limit - just that they had built up the debt. Why would a lender not take a punt?

Trying to have a discussion with you is like trying to nail blancmange to the ceiling. You are making no sense and I'm bored. Bye.

gordikin

LovelyLeeds wrote: »

OMG, forgive me but your post is loaded with fruedian irony!

...Freudian surely?

scottishblondie

SnowTiger wrote: »

Do you know if it was a joint application or did she add you as an additional card user?

If it was a joint application that you knew nothing about I think your wife has been a very naughty bunny.

There is no such thing as a "joint" credit card AFAIK. There is a single account holder who is liable for the use of all cards on the account. So the OP can only have been an additional holder.

Devils-Advocate_3

Quirkylass wrote: »

Offensive as the parent of a child who is somewhat disabled, I would never use those words and doubt many would and I do not expect bonus payments though there are benefits my child is entitled to, not me, my child

The OP started this thread regarding his wife's debts that he had no idea of so what the heck do you mean about the benefits? He didn't mention benefits so I don't see where they come in unless the OP tells us they are in receipt of them. The OP is strugglying to come to terms with what has happened and spouting about benefits that they may or may not be entitled to is not the issue. Offer advice, answer his questions and support him. End of,

Weller x

Well said. I can't stand people who have got massive chips on their shoulder regarding benefits. Who knows what could happen in life...one day it might be that moaning person who could be in need of benefits. Stop being judgemental, either offer sound, sensible, supportive advise, or shut the heck up.