Ex-husbands Credit card debt

Callington

Hoping that someone can advise please on the following matter:

My ex-husband had two credit cards for which he was the account holder and I was just an additional card holder.

The credit card debt was sold off as he was unable to pay off the required monthly payments. Subsequently somehow the entire debt is now in my name only, even though I was never the account holder, I don't understand how this can occur. Can anyone explain to me how this has happened please?

[Deleted User]

You need to speak to whoever owns the debt and tell them it isn't yours.

If what you say is correct, they will not be able to prove it and will go away.

McKneff

Who has told you the debt is now in your name.
Thats not right . You cannot be responsibke if you were a secondary holder. As above, question it

[Deleted User]

I wonder if he opened the accounts in your name and made himself a secondary card holder.

It’s happened before and people have posted about it on here.

Callington

The company who the credit card sold the debt to has only my details linked to the debt, the cards were in my ex husbands name, 100% not mine as I said I was only ever an additional card holder.

PaulW922

I would not even mention to them that you were an additional card holder. Just say that the debt was in your ex-husbands name, and maybe pass on his details?

T-G-C

If your name was not on the original credit agreement for the debt, then there is no legal right for them pursue it from you.

Give the henchman a ring and let them know the debt was not signed under your name and are not liable for paying it and to remove all trace of it from your credit file (if on there), or you will be the one taking action against them for both harassment and if applicable, filing inaccurate information with the credit reference agencies.

Callington

Thank you for your responses but I still do not understand how it has happened.

It gets even more complicated as this debt is now 6 years old and I have been paying off half of the monthly payment and my ex husband the other half. I believed that it was a debt in our joint names as my ex husband had dealt wit the company in the first instance & did all of the affordability part to start off with (he must have made up my information and told the company what I earn/spend each month as he has authorisation on the account) It is only now after the company chasing me to renew the affordability information that I have realised that the debt is in my name solely!!
Where do I stand as the debt has been being paid for the past 6 years?

T-G-C

Callington wrote: »

Thank you for your responses but I still do not understand how it has happened.

It gets even more complicated as this debt is now 6 years old and I have been paying off half of the monthly payment and my ex husband the other half. I believed that it was a debt in our joint names as my ex husband had dealt wit the company in the first instance & did all of the affordability part to start off with (he must have made up my information and told the company what I earn/spend each month as he has authorisation on the account) It is only now after the company chasing me to renew the affordability information that I have realised that the debt is in my name solely!!
Where do I stand as the debt has been being paid for the past 6 years?

Are you 100% confident that when this product was taken out, it was in his name only? Are you sure that he did not use your name without you realizing? Do you think this was a snide tactic he used or a genuine mistake? Did you read through the credit documents before putting your signature on anything?

As for the 6 year element, unfortunately you have been automatically acknowledging this debt throughout the 6 years by making payments to them, therefore barring the debt is not an option here. It is only where there is no acknowledgement of the debt for 6 years (no letters, payments etc.) that it can be barred under law.

If it turns out that the debt was originally signed under your name, I am afraid it means that you are the responsible party for the remaining balance.

Callington

Hi,
Yes, I'm 100% sure that the card was solely in his name but even if it was taken out jointly how is it that I am now alone responsible for the debt?
I thought that might be the case regarding it having been paid for 6 years but that doesn't negate the fact that I was unaware that somehow this debt had somehow been transferred to me.

TadleyBaggie

Credit cards cannot be taken out jointly.