Ex girlfriends credit card worries

Voltaire7

Nofortune wrote: »

I know I'm new to the forum, but you are coming across quite rude. No I don't owe her anything,

So why are you 'very concerned'?

Move on with your life.

nidO

Nofortune wrote: »

(Working in a clothes shop on £15,000).

Nofortune wrote: »

livery of her horses.

With these two pieces of information alone, the best help you can be for her is directing her to:

http://forums.moneysavingexpert.com/forumdisplay.php?f=76

Helping her getting more credit is going to do precisely zilch to help her, and you'll probably find halfway through the you helping her to find credit in her name that an "oh, it doesn't look like anyone will give me any, could you maybe puhleeze put this application in under your name?" will crop up.
Call me a cynic.

McKneff

Either completely ignore her, change your phone numbers etc.


Or direct her onto here, help her to help herself.
Tell her your credit is shot and you cant get any credit.


Lie through your teeth if you must but don't give her any leeway.


She has got a bit of a cheek to be honest.....

melloecastro

You need to refer her to someone like Step Change. This is not a problem you can sort. Does her partner know she is talking to you? Has he refused to help her?

pvt

Nofortune,

At 21 with debts of over 12k and job paying 15k. She needs help.

It is very very clear she does not comprehend the concept of budgetting: that ones outgoings cannot exceed ones income, month after month.

It is very unlikely that she will be able to extend her line of credit any further, so I don't see how she will be able to get better interest rate.

As so many others have said, she needs someone to help her face the reality that she has a problem.

The first step is likely to be the painful acceptance that if she cannot pay the bills to keep her horse, then she cannot afford to keep her horse.

dealer_wins

Either be polite and tell her you are in a similar position, cant help at all and was just about to ask her for help with finance as yours is so bad.

Or tell her to do one, shes out of order to even ask.

I would go with telling her to do one. She sounds like a liability who will cause regular hassle until she is totally out of your life.

duchy

I understand that you don't want to be the guy who tells her she can't afford to keep her horse ............however bear in mind she may have already discussed this with her new partner and he's already told her she can't afford it .

You -in the long run won't be the guy who helped her keep her horses- you'll be the guy who helped her end up in bankruptcy.

If you genuinely care for her rather than just want to please her and maybe one day get her back - helping her balance transfer is the last thing you should be doing !

veryintrigued

Print out her begging letter (email) on some rice paper and then feed it to her horses for a little sustenance as a little treat.

Job done.

lynz68

I would point her in the direction of one of the free debt charities such as Stepchange. Her ratio of debt to her income is not good and she is unlikely to get a good deal if any.

This is really not your problem she has a partner and I assume family you should be way down the pecking order.

You risk her asking you to transfer some of it into your name. Which most definitely should not be done. I'm guessing she has already been told this by others and that is why she has now turned to you.

ricz_1

Really not meaning to sound callous, but if she has horses (plural?!) and is looking to buying new livery for them then her money problems are nothing compared to some others which have been posted on here.

As many people above have said, sound like she needs to get real with what she can afford and get on a debt repayment plan. If you do still care for her the best thing you can do is advise her to live within her budget and not to enable her bad spending habits. Believe it or not that level of debt is not totally unmanageable.

The cynic in me (and please forgive me if I'm wrong) sounds like this is a girl who has been pretty spoiled in the past and is now not able to live the life she's become accustomed to. :lipsrseal