Ex girlfriends credit card worries

Nofortune

Hello, I'm new to the forum and I'm looking for some advice!

Me and my (ex) girlfriend got together when we were 16, by 18 I had a full time job in finance and took out my first credit card when I was approached in Nationwide.

When it came to December 2012, my ex girlfriend was short on money for Christmas presents, so she too took out a Nationwide credit card. (Working in a clothes shop on £15,000).

The limit of the Nationwide was £1500, and she maxed that by mid 2013. She balance transferred across Barclaycard who initially gave her a limit of £3000, which increased to £7500 by 2014.

She also has a Tesco Bank CC and a Virgin CC.

I was shocked, and quite upset as I received an email last night asking for my 'help' to balance transfer her cards as she needs to free up credit to pay for the livery of her horses. I don't really know what to say, or do, so have come here for some advice. I'm very concerned.

Barclaycard £7500 Maxed
Tesco Bank £2000+
Virgin £2500+

She's 21. You might not believe me and think I'm a spammer, but I can assure you this is 100% genuine.

Thanks in advance,

MoneyMission2015

Don't do it! That's all that needs to be said really.

If you want to help her, direct her to here & help her to budget.

Voltaire7

So what's the question, and why are you so shocked and upset?

apollo_

Agreed, do not help her. She sounds as if she is very irresponsible with credit if her concern is that she is running out of credit buy things rather than the rapidly growing debt that she is accruing.

It's not worth risking your credit file to help anyone in this situation. When she inevitably defaults on her debts, maybe she'll see that she needs to change her attitude to credit.

Nofortune

Voltaire7 wrote: »

So what's the question, and why are you so shocked and upset?

Should she just balance transfer, cause, she won't be able to keep up the high payments on Barclaycard. Putting the past aside, of course I still care about her, not nice being in a pickle like that, where I cant help out financially.

Nofortune

apollo_ wrote: »

Agreed, do not help her. She sounds as if she is very irresponsible with credit if her concern is that she is running out of credit buy things rather than the rapidly growing debt that she is accruing.

It's not worth risking your credit file to help anyone in this situation. When she inevitably defaults on her debts, maybe she'll see that she needs to change her attitude to credit.

Thank you for your input, as far as I'm aware, it's vet bills and monthly rent of livery that's built this up.

solentsusie

Is she asking you to take credit cards out in your name so she can balance transfer some of her 12K debt to them?

If so I would politely tell her you cannot help her and advise her to seek help if she cannot manage her debts. Some people have to learn the hard way. She is, as you say, your ex girlfriend. Don't get messed up in this is my advice.

Good luck.

nearlyrich

She probably can't afford to "run" a horse they can be expensive, if you help her now how can she afford to pay back what you will owe?
I can understand you still caring but she needs to sort out her own problem with credit.

jbuchanangb

Suggest she sells the horses.

Nofortune

solentsusie wrote: »

Is she asking you to take credit cards out in your name so she can balance transfer some of her 12K debt to them?

If so I would politely tell her you cannot help her and advise her to seek help if she cannot manage her debts. Some people have to learn the hard way. She is, as you say, your ex girlfriend. Don't get messed up in this is my advice.

Good luck.

Thank you Susie,

She's not asking me to take out credit cards in my name, shes asking me to help her find another credit card and sit down and do the balance transfer with her.

Agreed that she is my ex girlfriend, and she also has a new partner. I'm just on cloud 9 right now, it's a shame to see this happen though.

forgotmyname

She cannot afford to pay her own bills so will be getting you to pay them for her.

Who will help you when she has spent all your money also?

Using credit to live beyond her means, been there and got a nasty shock myself. I would not have dreamt of asking another family member never mind an ex to bail me out.