Help needed for bank account crisis.

dogegg

My partner had an overdraft of approx. £1000. She arranged a payment plan with the Halifax. I have just found out that she broke the payment and the bank offered her a loan to pay back the overdraft which she accepted. She then didn't keep up the repayments on the loan. A recovery agency are now saying that she owes £2800, £1000 for the original debt, £1000 for the loan and £800 in charges. This doesn't seem right to me and now that we are married I am liable for this debt. The recovery agency have said that they want a payment in full by the end of the week but this is obviously not possible.

Please, has anybody got any advice on how to reduce the amount owed and the best way to approach this problem?

dmg24

You would be best to post on the Debt Free Wanabee board x

Glad

Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere (please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [EMAIL="abuse@moneysavingexpert.com"]!!!!!![/EMAIL].

moonlightpjs

I think the first thing to do is send a SAR request into the bank re the charges and see about claiming these back - this will put the account on hold whilst your OH reclaims them, the bank cannot then instruct a DCA to deal with it.

I'm not 100% sure but even though you are now married I dont think you will be liable for the debt as it is only in your OH's name but somebody will be along soon who will be able to advise better.

Link to reclaiming bank charges board:-

http://forums.moneysavingexpert.com/forumdisplay.html?f=102