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Joint Credit Cards?

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  • molerat
    molerat Posts: 34,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The only way to clear your name is to tell them your partner has committed fraud which will possibly end up with the police being involved, it may well be already on that path anyway. If they get a CIFAS marker and you have joint accounts your file will be screwed as well.
  • Sncjw
    Sncjw Posts: 3,562 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’d say the next stage is to ditch your partner.
    Mortgage free wannabe 

    Actual mortgage stating amount £75,150

    Overpayment paused to pay off cc 

    Starting balance £66,565.45

    Current balance £58,108

    Cc around 8k. 

  • All the emails I had on my phone from Capital One (confirming their investigations deemed there to be impersonation), from Fredrickson (confirming their investigation) and from Experian (confirming the nature of the negatives on my credit report) were deleted from my phone whilst I put our daughter in the bath.

    Audit trail = gone. Think the ones telling me to question my ongoing relationship have got a point.
  • Did you not PIN protect your phone?
  • I sure did Gary - but we have a mutually trusting relationship including knowing each others PINS. Ironic, eh?!
  • Chop-D
    Chop-D Posts: 104 Forumite
    Seventh Anniversary 10 Posts Name Dropper
    Just been reading through this thread, really feel for you, hope you manage to get it all sorted.

    With the email app on my phone it doesn't delete them completely you may be able to find the deleted emails if you sign in on a PC.

    Much luck to you Thomas
  • Nasqueron
    Nasqueron Posts: 10,750 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Change the phone PIN, ask them to resend the emails (or retrieve from deleted items), ditch the partner and report to the police.

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • I literally came across this by accident when searching for good credit cards, but I have to know how the story ends? I'm rooting for you though, sounds like you've really been screwed by someone you trust :angry:
  • JP2019
    JP2019 Posts: 79 Forumite
    Second Anniversary 10 Posts Name Dropper
    This exact same thing happened to a friend of mine and unfortunately he did not catch it as quick as you and ended up in SERIOUS financial trouble because of his partner.

    Ditch her, she’s a waste of space and will sponge of you forever.
  • Considering this over a year old now, one hopes the OP has done the right thing by now.
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