Left with partners credit card debt

Kat1969

Hi, I have been foolish enough to take out a 0% credit card in my name to manage a 5k debt for my partner. We have now split and I'm worried he won't keep paying the DD. Is there anything I can do?

Onemanandtwolittleladies

What, to make him keep paying? Keep things amicable would be my suggestion then gently suggesting he looks at ways of paying it off (put it in his name through a loan or CC). Though I assume there’s little chance of that else you wouldn’t have taken it in the first place.

In reality, if he refuses to pay, you’ve learnt an expensive lesson.

18cc

I know it is a difficult lesson to learn but the CC debt is your debt not your partner's debt

morally of course he should pay you back but legally it is your debt

if he stops paying you back your option would be to take him to County Court to try and get some of the money off him but that would be separate to the credit card debt which would remain legally yours

MEM62

Having taken the credit in your name, presumably because he could not get credit, makes it your debt, not his. In essence you have given him a gift and are reliant on his goodwill to keep up repayments.

noobinvestor

He will probably stop paying at some point in the near future.


At least you will learn from this mistake.

18cc

If you go to the small claims court then you can argue that when you made him the loan you had a reasonable expectation of it being paid back and the fact that he has started to pay it back it's proof of this

the court should find in your favour and order him to repay you

the question is does he have any assets of course

born_again

Get him to take a loan to pay it off.

foxy-stoat

Where did your £5,000 go, another card card or loan?

shortcrust

18cc wrote: »

If you go to the small claims court then you can argue that when you made him the loan you had a reasonable expectation of it being paid back and the fact that he has started to pay it back it's proof of this

the court should find in your favour and order him to repay you

the question is does he have any assets of course

I'm not sure how you've pole vaulted to that conclusion. People can pay other people's debts for loads of different reasons. My dad's currently making payments towards my sister's credit card. It's not proof that he owes my sister money.

Ben8282

The sensible advice would be to change the direct debit from his account to yours to prevent him loosing you the 0% rate and trashing your credit files.
Get him to pay you the money directly.
Unfortunately there is a big chance of your having to service and repay this debt yourself.

phillw

Kat1969 wrote: »

Hi, I have been foolish enough to take out a 0% credit card in my name to manage a 5k debt for my partner. We have now split and I'm worried he won't keep paying the DD. Is there anything I can do?

You could put in writing that he owes you the money and intends to pay it back by a certain date & what interest or charges are applicable, then get him to sign it.

If he refuses then it's a reasonable sign that he doesn't actually intend to pay you back and without something in writing it's going to be difficult to enforce.