Girlfriend left me with all joint debts any tips?

strummerman

In a nut shell I came home last April to find my girlfriend had departed and had taken a car and most of the stock of a now defunct buisiness. I understand she is now abroad. The joint current account is 857 overdrawn, lloyds are now threatening me with legal action for the whole amount. They have made no attempt to contact my ex. I have offered to settle (and have settled the buisiness o.d.1700 of 2400 with the same bank) but they will not take any offer. I feel I have tried to sort this out, and am aware of the legal situation of joint and singular responsibility, however do they not have deal with us in an equitable manner? Have I any grounds to fight them/report them for their one sided and unhelpful behavior or am I snookered, if i pay of the entire amount to get them off my back how can I get any money back off the ex? as i now feel like being difficult thanks fo any thoughts on this, ( I am now a full time mature student.) thanks strummerman

RayWolfe

strummerman wrote:

I feel I have tried to sort this out, and am aware of the legal situation of joint and singular responsibility, however do they not have deal with us in an equitable manner?

Unfortunately, no! They can chose to go after one or the other or both. It's what you agreed when you signed up. Tough, but that's the law.
Hope you get it resolved.

thesaint

They will always go after whoever they believe will pay back their money the easiest, otherwise, you could 'gift' the other person on a joint account a sum of money safe in the knowledge that there would be no comeback.

Has your ex-girlfriend has broke any laws, if so, have you reported her to the police?

oldwiring

thesaint wrote:

They will always go after whoever they believe will pay back their money the easiest, otherwise, you could 'gift' the other person on a joint account a sum of money safe in the knowledge that there would be no comeback.

Has your ex-girlfriend has broke any laws, if so, have you reported her to the police?

Yes, for instance, whose is the car and to whom registered? If ours report it stolen. Any one who bought it from her would have no tilte to it.

regularsaver1

I'm afraid they can not get involved in marital/non-maritial disputes

you were both liable for overdraft on a joint account

BASFORDLAD

n ext time dont be so stupid is my advice, harsh but true

changkra

You could negotiate a payment plan through either https://www.nationaldebtline.co.uk or https://www.cccs.co.uk The bank will take notice of these FREE debt agency's and will more than likely agree to the amount offered and stop interest and charges. Would it not be possible for you to credit the account with so much a week? If you haven't payed any money in to the o/d they will hound you until something is done. For now concentrate on sorting this debt out and of course your studies and then look at going for 50% of the money back from your ex. You have 6 years from when she left the debt. You will also get lots of advice on this from the debt free board, the posters on there will shave money off your day to day spending and surprise you with what you can have left over at he end of the month.

jitsuguy

Just a rather different angle! Declare yourself bankrupt and they will then chase her!!!

RayWolfe

Do you know that you actually need to be bankrupt before you can declare yourself so?
Perhaps you were just bring ironic.

changkra

jitsuguy wrote:

Just a rather different angle! Declare yourself bankrupt and they will then chase her!!!

The problem with being bankrupt is we don't know what the OP is studying. If he studying for a job which is credit search then he wouldn't be first in line to be offered the job if at all. I agree with your post though in principal, if you own nothing then you have nothing to lose, but the knock on effect is you could end up UN employable in your field or if employed losing your job.