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

Admo10

Thank you for your help!
I feel further angered by the fact that he has kept 99% of the belongings we had for our home. I have no interest in claiming these back even though I can proove the majority of them were purchased by me.
I want no further contact with him and I find it insulting that they are demanding money in such a way.
I have taken everyones advise on board and if it needs to go to court to end this nightmare then thats what will have to happen. Ive always dreaded it getting to this but I feel that I've been more than reasonable in this circumstance and am not giving into tactile bullying.

19lottie82

admo10, I wouldn't worry about them anyone taking you to court. I'm 99% sure it won't happen. and if it does, I'm 99% sure they will lose.

macman

It isn't 'half of the debt'. The card is in his sole name, so the debt is 100% his, even if you made purchases on the card yourself with his permission.
Any moral obligation you feel you might have to contribute towards those bills is another matter, but there is no legal obligation to pay anything more whatsoever.
They won't take you to court, because there is no basis for any claim on you

sedment

Unless the card is in both your names, then you arent both jointly liable. If he gave you the card to use and gave you the pin, banks or cc companies wont look kindly on that. Fire off a stinky letter to mummy dearest telling her to leave you alone and if she turns up at your work you will phone the police. Maybe remind her that you can prove you bought lots of furnishing/white goods etc in the house, and have been reasonable enough not to get them back. Cant have your cake and eat it.

JimmyTheWig

The only bit that concerns me is

Admo10 wrote: »

I couldnt understand why the balance was so high at the end.

We all know how quickly bills can add up. Whenever we leave things for too long without checking the accounts it turns out that we've spent more than we thought we had in total, even though we remember each individual transaction.
It is quite possible, OP, that the shared household purchases totalled more than you think they did. In which case (if you agree that you should have paid for half of these) you may owe more money.

But I totally agree with you that you need to see a statement to determine which items you are paying half of and which are his to pay alone (and if there are any items that should be solely down to you). Without this I wouldn't pay a penny more.

Indie_Kid

Has anyone suggested informing your boss that she's threatened to up, just in case?

barbiedoll

Legally, it doesn't matter if the ex spent the whole debt on buying OP shiny trinkets, there is now no credit card debt, it has been paid in full by his mummy. If she thinks that OP owes her anything, she would have to prove it, which would be very difficult to prove in any court of law. The credit card company won't get involved, they have their money, the ex's mother has no legal claim on any of the OP's money whatsoever. It was her choice to pay the debt, more fool her.

Why was the ex using a credit card for general "household expenses" anyway? He obviously has money management issues, no doubt compounded by his parents bailing him out every time he overspends.

Tell his mother to take a hike and that if she attempts to contact you any more, you will report her to the police for harrassment.
She's obviously a bully, you just need to stand up to her.

Homeownertobe

barbiedoll wrote: »

Legally, it doesn't matter if the ex spent the whole debt on buying OP shiny trinkets, there is now no credit card debt, it has been paid in full by his mummy. If she thinks that OP owes her anything, she would have to prove it, which would be very difficult to prove in any court of law. The credit card company won't get involved, they have their money, the ex's mother has no legal claim on any of the OP's money whatsoever. It was her choice to pay the debt, more fool her.

Why was the ex using a credit card for general "household expenses" anyway? He obviously has money management issues, no doubt compounded by his parents bailing him out every time he overspends.

Tell his mother to take a hike and that if she attempts to contact you any more, you will report her to the police for harrassment.
She's obviously a bully, you just need to stand up to her.

Except the OP admits that the mother only paid the debt on the basis that 'we' (they) would pay her back.

I'm seeing a different picture here, especially with the changing story as the thread's gone on.

Armorica

Ask them for copies of ALL of the credit card statements.

Tell them only to contact you in writing (if you feel it necessary, ask for them to contact your solicitor - but would it be cheaper just to pay them?).

Consider mentioning that you are speaking to a solicitor about a restraining/anti-harrassment order.

Make sure you are keeping records of any contact they make with you - you might need it!

(As others have mentioned, one reason for the debt to increase might have been a high interest rate, or if the mother paid it off, she is applying her own rate).

My favourite theory is that your ex bought something expensive he's not admitted to his parents.

ariba10

I would tell them to "Take a walk in the Park."0