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

HappyMJ

Admo10 wrote: »

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.

Court threats are just probably just empty threats. If they do take you to court then you can easily defend the claim. The court staff are not intimidating they are fine. You present your case and they present theirs. There are no lawyers or solicitors or anything like that you just state you don't owe anything further and there is no evidence of the loan. You say you've paid what you morally feel obliged to pay but you do not feel you are liable for any more. It's more mediation really than a proper court. You could visit a court and have a look around for yourself if you wanted to know what it's like.

Gigglepig

It sounds like the debt is now to the mother not the credit company?
If the card was used for general living expenses when you lived together, and his mum was kind enough to pay it off on the basis that the two of you paid her back, I think you should pay her your half. She will have saved you a fortune in interest! If the card was used for general living expenses when you were together then it seems fair to split it half and half.

On a positive note, £700 is not the end of the world, though it is an expensive lesson not to get into credit card debt again.

Admo10

I feel that I've been perfectly reasonable in the situation.
I have requested that they send me a copy of a statement so if there is a purchase that I overlooked I would pay the difference. They havent done so.
I just resent feeling bullied into paying the total debt. It got to the point where they were asking to meet me outside my work place to collect money from me. I stated that this was harrassment and said that I would contact the police if it continued.
I just want the nightmare to be over.

HappyMJ

Gigglepig wrote: »

It sounds like the debt is now to the mother not the credit company?
If the card was used for general living expenses when you lived together, and his mum was kind enough to pay it off on the basis that the two of you paid her back, I think you should pay her your half. She will have saved you a fortune in interest! If the card was used for general living expenses when you were together then it seems fair to split it half and half.

On a positive note, £700 is not the end of the world, though it is an expensive lesson not to get into credit card debt again.

Sounds like the OP has paid her fair share and quoting the OP is "being bullied into paying his half of the debt"

Gigglepig

Admo10 wrote: »

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

I took this to mean OP is refusing to pay half. OP have you already paid half of the total balance (with accrued interest) paid by the ex's mother?

Admo10

I never agreed to pay half of the balance because I genuinely dont believe I owe half of the balance.
I truly believe that they are trying to claim the whole balance from me.

Gigglepig

If the card was used for general living expenses when living together then IMO you should pay half, just make it clear you will only pay half and no more.

To me it sounds like you are the one in the wrong here OP. You yourself admit the money was for general expenses whilst together, and that you have not repaid half. Pay your half then if they try get more, take it from there.

Admo10

It was his card in his name.
It was used towards general living expenses but not solely for that purpose.

Additional items were purchased on the card. It was in his possession the majority of the time and I couldnt understand why the balance was so high at the end. I didnt have control of the card. I feel that I have more than covered what I owe and refuse to be bullied for anymore.

j.e.j.

He is your ex, and out of goodwill you have paid any monies owing. Why is a grown man getting his mummy and daddy to harrass you. Tell them to 'go do one'! (Or better, simply don't answer the phone..)

They cannot make you pay, as I am sure they know. If they make good on their threats to meet you outside of work (which I doubt) phone the Police. There is no paperwork to say you owe them anything.

BigAunty

I'd love to see how the court action would be successful given

a) its not your card
b) you have already contributed
c) you are being chased for a debt by the account holder's mum!

I would blank their calls and emails. They can only take you to court (in England/Wales) if they can serve papers to your new residential address.

Do they know where you live?