Future implications.

penners324

She's aware that only paying the minimum payment that the debt could take 20 years to repay?

born_again

penners324 said:

She's aware that only paying the minimum payment that the debt could take 20 years to repay?

Which is going to fall foul of the Persistent Debt rule.

jonesMUFCforever

born_again said:

penners324 said:

She's aware that only paying the minimum payment that the debt could take 20 years to repay?

Which is going to fall foul of the Persistent Debt rule.

...But as she has never spent money on this card what can they do?

born_again

jonesMUFCforever said:

...But as she has never spent money on this card what can they do?

If you have a balance on a card (does not matter how it got there) paying the minimum will at some point raise a persistent debt case.

>>Persistent debt is defined as "when you pay more in interest and charges on your credit or store card over 18 months than you pay towards reducing the capital (the amount borrowed)."<<
https://www.moneysavingexpert.com/credit-cards/persistent-debt-help

jonesMUFCforever

born_again said:

jonesMUFCforever said:

...But as she has never spent money on this card what can they do?

If you have a balance on a card (does not matter how it got there) paying the minimum will at some point raise a persistent debt case.

>>Persistent debt is defined as "when you pay more in interest and charges on your credit or store card over 18 months than you pay towards reducing the capital (the amount borrowed)."<<
https://www.moneysavingexpert.com/credit-cards/persistent-debt-help

I  understand all that - with a normal card they would stop new spending and put her on a payment plan.

In this case she is just paying off old debt - there is no card for her to spend on - so all they will do is persuade her to pay more each month - but if she cannot afford it she just carries on as now.

sourcrates

Its never too late to get this sorted out, infact its quite a simple process.

Forget action fraud/police etc, unless you have solid hard evidence, they don`t want to know.

Get her to ring the creditors, with you present,  and gain permision to speak on her behalf, so then you can deal with the matter.

Once thats been done, make a formal written complaint to each lender, detailing what you have told us, send it to the fraud dept, infact they may even take your complaint over the phone.

There is no guarentee of success, but at least its a shot at it, and may just relieve her of having to repay debts that are not hers.

born_again

sourcrates said:

Its never too late to get this sorted out, infact its quite a simple process.

Forget action fraud/police etc, unless you have solid hard evidence, they don`t want to know.

Get her to ring the creditors, with you present,  and gain permision to speak on her behalf, so then you can deal with the matter.

Once thats been done, make a formal written complaint to each lender, detailing what you have told us, send it to the fraud dept, infact they may even take your complaint over the phone.

There is no guarentee of success, but at least its a shot at it, and may just relieve her of having to repay debts that are not hers.

I understand what you are saying. But in cases like this they may well find that as they were a couple at the time it is a civil matter.