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Hey,
I completely get that this post is going to get a lot of angry replies but please just hear me out, I know I am completely in the wrong. Me and my ex were together for 8 years and lived
together for 2. In the time we lived together we had a lot of money issues. Catalogues were taken out under his name by me and I am truly sorry for doing so this and know I shouldn’t have. I have been making payments but not the full payments. My ex has found out and is understandably upset and annoyed. In total it comes to £2500 roughly. I have made some payments this weekend etc and have said I will make the biggest payments I can going forward (£900 when I get paid next week) he is deciding wherever to go to the police or not, I can obviously understand if he does. I’m just really scared that as I care for my Mam I will go to prison and there will be no one else to look after her. I obviously don’t expect any sympathy on this I’m just really concerned for my Mam

Comments

  • fatbelly
    fatbelly Posts: 22,901 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Hey, we deal with all sorts here.

    Unlikely the police will be very interested.

    As these are catalogues, I have known cases (JD Williams group) where the company concerned switched the account into another name because fraud was admitted. If you accept that these are your debts then you should be able to give permission for that to happen. He'll have to initiate it and give your details
  • sharpe106
    sharpe106 Posts: 3,558 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 14 July 2020 at 10:31PM
    If you pay them back I am sure the police have far more interesting things to deal with. 
  • sourcrates
    sourcrates Posts: 31,464 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 14 July 2020 at 10:26PM
    Like checking for face masks for instance.......
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • fatbelly said:
    Hey, we deal with all sorts here.

    Unlikely the police will be very interested.

    As these are catalogues, I have known cases (JD Williams group) where the company concerned switched the account into another name because fraud was admitted. If you accept that these are your debts then you should be able to give permission for that to happen. He'll have to initiate it and give your details
    Thank you, just very worried and I will have a look into this today and see if that can be done 
  • fatbelly
    fatbelly Posts: 22,901 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    edited 15 July 2020 at 10:30PM
    It may be more difficult if it's Shop Direct but worth asking the question.
    Your ex will have to do that, of course. They won't talk to you in the first instance.
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,052 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It is doubtful the police will be interested and I am sure it won't come to prison. Make a definite arrangement to pay going forward and maybe speak to the catalogue but I hesitate to say they will be ok with transferring it into your name but worth a try. Do a budget showing the catalogue and your ex what you can afford and prioritise it over everything other than essential bills like rent/mortgage and utilities/food. Do you have other debts? 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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