Please help!

jo74_3

Hi all,
I was hoping you could offer me some advice on a problem that isnt exactly mine...but my partners. Although we've been together for a long time, he ran up debts before we lived together. These debts are still unresoved, as he went to the CAB for help 6 yrs ago, and they arranged with his creditors that he made a payment through his wages. This went on for a while, but he changed jobs, and the payments stopped. He didnt chase this up, and buried his head in the sand to this day. He does not know who he owes money to or how much. We are now married, and I want to resove this asap. The mortgage, bredit arrangemets are all in my name, as I knew about his credit issues, but I'm terrified baliffs will com knocking on my door any day. Although everything is in my name, and his debts were unsecured, can they take anything away from us because we're now married? I'm terrified all the time, and it's putting terrible pressure on us. He just continues to ignore the problem, hoping it won't catch up with him.....The worst thing is, i'm really careful with money - and my credit rating is really good.
I don't know where to go for help, because he is just ignoring the problem. Please help.

hypno06

Hi Jo, one way of finding out what is outstanding is by getting a copy of OH credit reference from https://www.creditexpert.com

This will then show you what is outstanding and will provide you with contact details so that you can get in touch with the creditors and arrange payments.

Of course, if anything has not been acknowledged for a period of 6 years, I believe (although I stand to be corrected) that it becomes statute barred and they cannot chase for it, so if anything is 6 years or very close to it, think carefully before ringing up and saying you would like to pay!

Others will be along, I am sure, with more advice.

Good luck x

jo74_3

Thanks so much for that - it's the 1st reply I've had - its really helped! xxxx

CLAPTON

is he receiving any demands for payment at your address?

when did he last pay any money towards is debts?

if he isn't receiving any demands at your address doing a credit reference check on him is a bad idea as it will update his address on his credit file and may awaken the dead.

if he has paid nothing towards his debts for 6 years they are probably statute barred and so are unenforceable.

bailiffs can only call after several court processes... and he should have received the paperwork so he can appeal the judgement and offer a monthly payment if appropriate.

in any event bailiffs can't touch anything that is yours or your house only his things. being married doesn't mean you acquire his debts.

dont under any circumstances get any joints credit with him..no joint a/c at all.

jo74_3

Many, many thanks Clapton. The debts were acquired in his father's address - before we were married. He last made a payment about 3/4 years ago \i think. He moved jobs, and the payments stopped coming out of his wages. The thing is, I am really worried about them catching up with him here (electoral roll). he does not have any credit whatsoever in our address, and we have separate bank accounts - this is due to my knowledge of his history with unpaid debts.

Do you think that his creditors have given up looking for him?

I really appreciate your advice.

Thanks again

Jo xx