Am I liable to pay my ex boyfriends credit card...

Admo10

I was with my ex boyfriend for 2 years. Whilst living together he took out a credit card in his name. The card was used for general living..food/bills etc and we did make a few additional purchases on the card. In total there's about £1400 to pay.

I've paid what I believe I owe but I am being frequently harrassed by his parents asking me to pay more money and threatening to take me to court if I dont pay. I feel that I am being bullied into paying his half of the debt and am unsure what to do

Any advice would be appreciated.

19lottie82

Its in his name, so his debt, his responsibilty. Some will say if he used it for joint expenses you have a moral responsibilty to pay some of the debt but you believe you have done that, tell him to get lost.

HappyMJ

No but you might have to pay your boyfriend something if the amounts lent to you by him for the additional purchases have been written down and you agreed to repay them by signing that bit of paper. If they were just for household expenses and you already paid your fair share then you have no liability.

I'd let them take you to court and defend the claim when you get it. It's just a civil court not anywhere near as formal as a criminal court. They'll listen to both sides and make a decision. You then have a few weeks to make full payment without it affecting your credit. With what you've said I don't think they'll go that far.

BigAunty

You should post this on the Debt Free wanabee board.

Only the named account holder is directly responsible to the creditor who issued the card to them. You have no responsibility to the credit card issuer.

However, people can be taken to court over disputes about money, such as the small claims court. It is up to the person bringing the case to prove they are owed it so you would get the opportunity to mount a defence and the judgement may go against the claimant.

19lottie82

Ps if his parents keep on giving you grief id wrote a formal letter telling them to leave them alone or you will report them for harrassment. If its really bad you could pay a solicitor to do the same. It may have more of an effect.

fairy_lights

Why are his parents harassing you about this? Your ex is presumably a grown man, what has he got to say about this?

19lottie82

The chances of them actually taking you to court are slim. Chances are its empty threats. Chances of him winning are nil unless there is some kind of signed agreement where you agreed to pay half.

Admo10

Thank you for your advice!

I've already had advice from a solicitor as it's something that's been worrying me. It's been going on for about a year now.
I admit that I am responsible for some of the money on the card and have paid my share accordingly but I refuse to be held responsible for the whole amount.
His mum paid the balance of the card as a good will gesture on the basis that we would pay her back. I feel that I have paid what I owe.

Even though I have been advised by a solicitor not to pay anymore I cant help but worry with the threat of being taken to court.

RAS

Did you ever sign anyhting to say that you would pay half the bill? Dis you ever tell her you would pay half the bill?

PasturesNew

Two people will have different opinions on what was paid for on the card. Both parties will have forgotten 1-2 items.
All you can do is make a list of what you think your obligation to the debt was - and write down what you have paid his mother, then put the list away - and if you have any other thoughts about what you forgot/overlooked etc, then add that to the list to continue to see if you were being fair.

Don't forget that something bought for £200 on the card could become £250 once interest has been added.

Admo10

I agreed to pay what I owed but I've never signed anything or agreed to pay half.