A bit of advice. long winded...

Ladyinred1x

Hi. I am looking for a bit of advice. I was with my partner for 10 years. We split due to him seeing someone else for 10 months and it wasn't something I saw coming. Throughout our relationship, I supported him alot financially. He used to gamble significantly and I would always transfer money to his bank. Although thinking back this wasn't the best idea. That aside, he had 2 credit cards in his name. He used one when we went on a cruise and used the other one for odd bits and bobs. There came a time when he said I could use it and gave me his pin. Throughout the time we were together I used it to purchase shopping, food, and general household things where we both lived. He used to ask me if I was still paying it and I was. He never asked how much was left and to be honest I was a little worried at the time how he would react because he was mentally abusive. So I never went into detail I skirted around the issue. This went on for about 5 years and then i found out he was seeing someone else so left. I Continued to make payments on the account as there was money on there that I had spent. However there was also money on there which he had spent. When we split, 3 months later his parents contacted me and told me they knew what I owed and would I keep paying. I agreed however stated the deBT wasn't all mine. They asked I paid it directly to them.
months have passed and I have been in financial difficulties and haven't been paying as much. They told me to pay to them what I could afford. However now I have missed 2 months because of my difficulties they are saying they will be taking me to court because of fraud. Where do I stand? Any advice would be great.

leeroy2009

so these debts are on his creditcard, and you have simply been making payments to his card?


and he cheated on you??


stop the payments now, its not your debt and tell him and his family to jog on.


neither they (family) or his credit card company will be taking you to court.


"There came a time when he said I could use it and gave me his pin" his negligence, his problem, his credit cards terms and conditions make him liable for your spending.

Ladyinred1x

leeroy2009 wrote: »

so these debts are on his creditcard, and you have simply been making payments to his card?


and he cheated on you??


stop the payments now, its not your debt and tell him and his family to jog on.

neither they (family) or his credit card company will be taking you to court.


"There came a time when he said I could use it and gave me his pin" his negligence, his problem, his credit cards terms and conditions make him liable for your spending.

yes it was on his cards. They are saying it's fraud because he didn't know how much I was spending. They said they have consulted a solicitor and they have a good case so slightly worried now.

leeroy2009

Ladyinred1x wrote: »

yes it was on his cards. They are saying it's fraud because he didn't know how much I was spending. They said they have consulted a solicitor and they have a good case so slightly worried now.

utter balls, rubbish, lies.


he did no how much was been spent cos he would of had monthly statements, this is not your problem and never has been.


take my advice, stop paying right now, and tell them all to jog on, or ask yourself where is the letter of there solicitor asking you to pay? - ignore them and get on with your life.


they are attempting to defraud you by saying your responsible for his cc debts.

leeroy2009

you could if you wanted, report them to the police for harrasement too, tell them you aint paying no more, any more txts phonecalls or facebook messages etc and tell that family you will go to the police and report them for harassment, debt is civil harassment is criminal.

love2save2012

Couldn't agree more with leeroy2009 - legally it is his debt as the consumer credit contract is between him and the credit card company. This is where credit cards, where you are an additional cardholder, are legally different to current accounts where you can have a joint current account and would be jointly liable for a shared overdraft.

grumbler

love2save2012 wrote: »

This is where credit cards, where you are an additional cardholder,

It's far from being clear that the OP was a second cardholder. Most likely she was just using her ex's card, but it wasn't fraud as she was given a permission and the PIN (that by itself was against the T&C).

are legally different to current accounts where you can have a joint current account and would be jointly liable for a shared overdraft.

In this case the ex seems to insist that the OP is solely liable. Ignoring the moral aspects, this hardly can be enforced legally.

Fruit_and_Nut_Case

"See you in court" seems to be the correct response.

dresdendave

As per most of the other posts, these debts are not your responsibility, either ignore his parents or tell them to get lost (or less polite words to that effect).


Secondly, you were together for ten years so he's no youngster straight out of school, but he expects mummy and daddy to sort out his financial affairs? Pathetic, sounds like you're well rid of him.

purdyoaten

Ladyinred1x wrote: »

They are saying it's fraud because he didn't know how much I was spending. .

An example of the 'mental abuse' to which you referred in your op.

I would love to see the judge's reaction to that particular claim in court.:rotfl:

Ignore.

plunt

hmmm if he wasnt paying anything towards it and they go after you, then counter it and reclaim your share that he didnt pay towards it.... 50% of all food shopping you have ever paid... or just call his bank saying he shared his pin with you and you thought they should know, that will put a nice block on his account! (dont actually do this!)