Creditor asking for 'partner' information

J:Redders

Hi,

A creditor of my partner has sent a 'sundry income budget sheet' to sort out a payment plan on a large debt (>£5k). We moved in together (rented) in Jan. She received the invoice around the same time after leaving her employer (it's for fees paid by the company towards a professional qualification) to work for another company.

However, this asks for her partners details (wage, employer, pay number?!), should I be concerned, will this affect me at all?

From what I gather, this will only be to help work out exactly how much my partner will have spare at the end of the month, by working out what percent of bills i should be paying compared to my wage and what she should be paying.

Is this correct?

many thanks.

Tixy

Don't let her complete the employer or payroll number etc in relation to you.

You won't become liable for the debt. And yes they will use the information to decide how much they think she should be paying towards the debt.

She could just fill it in without any details about your income and just put down what she pays towards bills etc.

longtermplanner

Yes they are probably only asking for this to establish what your earn so they can see if it's reasonable that you should be paying 1/4 or 2/3 of the bills etc.

They don't have a right to see this informatioon, but you can choose to show it to them.

From the unusaul circumstances, I am hoping that this is her only significant debt, in which case arranging a payment plan is a good idea. If she has other debts as well that she can't pay in full, she should probably be looking at a Debt Management Plan rather than trying to make an agreement with each creditors seperately.

J:Redders

Thanks for the replies.

@Tixy if I won't become liable for the debt, what's the harm of putting my details down (and you suggest I don't?)

@longtermplanner thanks, this is her only debt. Apart from a small credit card debt for me we are both in a stable financial position (not including our £20k+ student debts, which we don't worry about).

sourcrates

J:Redders wrote: »

@Tixy if I won't become liable for the debt, what's the harm of putting my details down (and you suggest I don't?)

The debt is not yours, they have no right at all to know anything about your income, its not unheard of for information to be "sold on" by DCA`s, so you could open yourself up to a whole lot of spam calls, post, etc etc, plus there is always the risk of identity fraud, a lot of these companies may portray a nicy nicy public image, in reality are far from this, and can, and do, some very unsavoury things.
The less they know about you the better.

[Deleted User]

sourcrates wrote: »

The less they know about you the better.

I agree.

What you earn, is none of their business.

dancingfairy

Send them your own budget sheet? They have no right to see this information but obviously if you want them to accept an offer it's obviously sensible to send them some form or budget.
df

sourcrates

dancingfairy wrote: »

Send them your own budget sheet? They have no right to see this information but obviously if you want them to accept an offer it's obviously sensible to send them some form or budget.
df

Sorry I don't agree.
For starters its not his debt, what possible right have they to ask for his income ?
Where does it end ? will they want to know his mothers, brothers, sisters income next ?
It simply is not relevant to them, I strongly believe the only purpose they have in asking for this information is for marketing purposes, nothing to do with affordability.

[Deleted User]

I agree with sourcrates, what the debtors partner earns, is nothing to do with it.

My partner could be earning £1,000,000 pa, while I'm earning £10,000 pa, but that'd be none of MY creditors business.