Partners debts!

FireWyrm

joannefred wrote: »

Just another quick question if partner was to fill out a SOA what would have to go on it. My income? Joint tax credits claim? Would my income be included when it came to the expenditure? As far as I can see that would be unfair as these debts if he owes them have nothing to do with me.

An SOA is a term we use on here. An SOA is a 'statement of affairs' and is used by us to help people understand where their money is going and why they are in a mess. If you fill out one, it is entirely at your discretion how.

Some people fill them out as one half of a partership with split bills etc, some fill them out as combined house income etc. It's entirely up to you.

None of the three debts you have mentioned above sound like anything to do with him...so I wouldnt be concerned on that score.

When I asked you 'if he owed them', you said yes, but it appears he doesnt. What is his recollection of events, did he owe that money at some point, or is there more to this story?

Angry_Bear

From what i understand, it's reasonably common for a debt to be marked as "satisfied" on your credit report when it's just been sold on to another DCA.
Also it's reasonably common (but not legal) for DCAs to claim payments have been made when they haven't - to avoid statute barring. I gather that it's not unusual for the entries in the credit report to be unclear on what the actual debt was for - so these could be legit.

From what you say above, Debt 1 would be statute barred in June 2014, but the payment doesn't sound quite right. Getting the DCA to prove it would be the way to go.
Send this letter: Prove it.

Debt 2 would be statute barred by Feb next year, again send the prove it letter and if you get to next Feb before they get back in touch you can send the Statute Barred letter. (FireWyrm, I think you mis-counted the dates).

Debt 3 is statute barred already - meaning your partner doesn't have to pay - send this letter.

Regardless, you cannot be held accountable for his debt. But the steps above (and as given by FireWyrm) should help get the debt collectors off his back.