Partners debts

Crazyjax

Hi i am very new to this so please bear with me.

Myself and my partner bought a house in Oct but the mortgage had to be in my name only as my partner feared she had poor credit rating.
she recently got a letter addressed to her old married name (been divorced 7 years) it was from a debt collector for an old debt from when she was married and had forgot about.
My questions are:
1. How can we find out if there are any more debts outstanding?
2. Will her debts impact my credit rating?
3. If we decide on having a civil partnership will i be liable to pay the debts? For example could the house be at risk?

Also when we lived in a rented house i answered a phone call that asked for her by her married name and i said i didnt know anyone by that name. As i didnt think i did! Will i be in trouble for that as it turns out it was the same debt collectors.

Thanks
Jax

Battleaxe44

If the debt is older than six years it is Statute Barred, the debt remains but so long as she does not acknowledge the debt, let then keep fishing. There an SB letter your wife can send to the DCA. I would not sgn this letter using married name. They can threaten, rant and rave, if it is SB it remains that way. I would ignire them but keep any letters and the envelopes they arrive in for future reference,, oh and if the DCA's do get hold of your phone number, you write and request that the number is removed from all their records. Send it recorded delivery as proof of the request they have to complay.

So long as there is no financial association (i.e joint accounts) it wont impact on your credit rating.

As for finding out about any outstanding debts, I would leave that one alone and wait until a DCA starts fishing, unless of course you want to, Credit reports from all three agencies is where to look (as far as I know)

No, a civil partnership will not make you liable, unless again you acknowledge these debts and responsibility for them.

Telling a DCA that you do not know the person, will not get you into any sort of trouble. Telling the police is another matter.

I am sure tohers will be along to help you