Someone else using your cards

Tracewhy

I wish I knew about this board a few years ago so this is really just a 'just out of interest' what you would of advised me to do.

So 5 years ago I moved in with a now ex partner. It came to light almost 2 years after this that he had been using my credit cards for well over a year on the internet on gambling sites and he'd max'd them all out. Once they were max'd out he also did other things like pulling all the bill money out of the shared bills account etc etc, but my question is

What do you think the liklihood is I would have won a court case if I'd taken him to court?

So, other bits of info you need to know is that they repeatedly sent me post about the spiralling debts but I was always out the house at 6am and he hid/threw away all the bills. I found out purely by being off sick one day and some post arriving. I spoke to all 3 cc companies who basically agreed with me that I could prove he had done it, but because he'd done it in a house we shared I could not prove that I didn't say he couldn't. I went to the police, they gave me a crime ref num but just said I'd have to take him to court. I spoke 2 2 solicitors who basically said what the cc companies had said, and then said if I lost I'd also have to pay his legal fees, so at the time, with over 30k of debt I couldn;t afford the risk, so consequentially I am still paying them off.

It was one great lesson in watching your credit file, so anyone that does, make sure you do Of course its still screwing my life up, but you live and learn.:mad:

mynameistallulah

You gave him permission to use your cards, and by paying it off you acknowledged that the spending was allowed. Courts do not like intervening in finances between couples, I doubt you would get anywhere.

Tracewhy

mynameistallulah wrote: »

You gave him permission to use your cards, and by paying it off you acknowledged that the spending was allowed. Courts do not like intervening in finances between couples, I doubt you would get anywhere.

No I didn't, he stole them out of my purse and because I'd previously cleared them and only had them for emergencies I didn't notice they were missing.

mynameistallulah

Tracewhy wrote: »

No I didn't, he stole them out of my purse and because I'd previously cleared them and only had them for emergencies I didn't notice they were missing.

Nothing like a thank you!

As you continued to pay the debt off, you accepted it as your own. If you did not accept it as your own, you should have reported it to the police.

Tracewhy

mynameistallulah wrote: »

Nothing like a thank you!

As you continued to pay the debt off, you accepted it as your own. If you did not accept it as your own, you should have reported it to the police.

did you read my full post. I DID report it to the police, they said they couldn't help and I'd have to take it to court. The advice from the solicitor was keep paying and take it to court but you'll likely lose, he gave me a 10% chance of winning as it would be my word against his.

mynameistallulah

Tracewhy wrote: »

did you read my full post. I DID report it to the police, they said they couldn't help and I'd have to take it to court. The advice from the solicitor was keep paying and take it to court but you'll likely lose, he gave me a 10% chance of winning as it would be my word against his.

You have had advice from the police, you have had advice from a solicitor, and that advice has been confirmed here.

Every heard the phrase "flogging a dead horse"?

zagfles

If anyone uses your cards without your consent you simply have to report it to your bank, they put the amount in dispute and it is then up to the retailer to prove that you authorised the transaction.

The burden of proof is not on you to prove you didn't authorise the transactions.

arthur0

if someone use my card without my permission by any chance i would have kill him.

callum9999

mynameistallulah wrote: »

Nothing like a thank you!

As you continued to pay the debt off, you accepted it as your own. If you did not accept it as your own, you should have reported it to the police.

Under what regulation does paying a bill that's in your name possibly remove your right to dispute it?

Is there a particular reason why you're being so touchy over this? Even if it can't go anywhere it hardly seems an unreasonable thing to be seeking advice over...

Tracewhy

arthur0 wrote: »

if someone use my card without my permission by any chance i would have kill him.

ha ha I did consider it, and have since considered it many times, esp as its screwed my previous very good credit profile, but alas I'm generally a law abiding citizen and I feel not quite clever enough to get away with it :rotfl::rotfl:

Bob_the_Saver

arthur0 wrote: »

if someone use my card without my permission by any chance i would have kill him.

Or her, (we have to be politically correct these days).