Be sure a debt is paid off!

Nerika80

A bit of a weird one, I had a joint account with an ex purely for outgoing household bills. My ex had control and would not allow me access and on split and getting a credit report I discovered he ramped a 1,500 overdraft which I refused to pay back for obvious reasons. The question I have is after 3 years he is claiming he hasn't paid it off but my Experian report doesn't show it and he keeps contacting me. I feel he is saying the debt isn't paid to stay in contact as he knows once it is cleared I will break all ties.
I want to be able to cut off all contact but until I know this is paid in full I need to remain in contact to ensure it is paid.
He contacts me regularly but I think its paid due to not being on my credit report but I want to be 150% sure before I block totally, is there any way of knowing for sure?

[Deleted User]

Contact the lender. As it was a joint account, you have the right to ask for the current status.

National_Debtline

Hi Nerika80


An overdraft should be removed from your credit file 6 years after the date the account was closed, unless a default was registered in which case it is removed 6 years after the date of the default. Have you checked all 3 credit reference agencies? They can hold different information and it's possible the bank has not recorded information about the overdraft with all of them.


You could contact the bank directly to check with them what is happening, but bear in mind you are also liable for a joint overdraft and contacting them may prompt them to chase you for any outstanding balance. You may have an argument that your ex partner was financially abusive by not allowing you access to the account and I'd recommend you contact one of the free debt advice agencies for more advice on this.


If the account is still active you should also consider informing the bank you have separated, just in case your ex partner could still be running up debt on it. Once you've informed the bank about a separation they should freeze the account.


Best wishes


Susie
@natdebtline

Nerika80

Hi all,

I have been in touch with the bank and despite my ex saying he is happy for me to be removed and take responsibility etc they wont allow it and as the debt is now with a recovery agency they wont speak to me with regards to it, even to say it is or isn't paid. I have a paid Experian account and Clearscore and it isn't on either. I have explained to both the bank and the agency he had control over the account and would not under any circumstances allow me the details (which he had taken from me and hidden) or access.
I chatted with Experian that feel it has a high chance of being paid but they can't say for sure.
My ex was saying a few months back he would pay it in full then all of a sudden he couldn't thats when I noticed it went from being on my credit score to not, hmmmmmm!
I just want to be 10000% free and done with him now as you could understand. I feel its his way of keeping in touch and in control still.
Thank you all I will try the agency again, I won't hold my breath mind lol!