He refuses to pay

indigo_child

ok, here goes,

I think he has won. When I was in my early 20's I made a very big mistake, I practically gave my credit facilities to an ex partner. We were never married, but cohabited for just over two years.

I took out credit agreements in my name, which I had a verbal agreement that while we were together we would jointly pay and in the eventuallity that we split he would still contribute.

obviously this happened, and we came to a verbal arrangement that he would take on payment for an item of furniture. It became registered to his address but remained in my name.

In the mean time he stopped paying everything, and I mean everything. I got dragged throught the courts for bills which he claimed to have paid then left me to deal with them, he stopped paying joint loans as well.

In the mean time i have finished paying several loans and more that he helped accumulate

I have recently found out he stopped paying the loan roughly 2 years ago, after paying sporadic amounts for about 6 months, this has meant that it went to a debt collecters without my knowledge and has doubled in size. Is there anything i can do to reduce the interest on this?

I have been crippled by him for the last 2 1/2 years. I realise I have been very very foolish, but is there anything I can do to get him to take responsiblity? Im desperate, I dont know what to do. Please can someone help me

charmed-imsure

Same happened to me with an ex & I'm still paying a loan off! Although it's in your name I wonder whether there can be something you can do based on common law husband & wife? I only lived with my ex for 5 silly months so I wouldn't have qualified for common law things. Has he written anything to you to say he refuses to pay for anything?

Ex's eh? Who needs em!

Leixlip1

Get some advice from the CAB or a solicitor who gives free (normally half-an-hour) advice.
One way might be for you to take action to recover some monies via the small claims court. County Court staff are quite helpful so if there's one near you call in and see.
Good luck.

peb

Sorry; there is no such thing as common law husband and wife. You can theoretically chase him but it is your word against his and if he has no money then it would not be worth your while.

indigo_child

No nothing, as of yet, but every time i tried to get him to pay in the past for other debts he has been really obstructive, actually hes just a nasty wife beating peice of work all round, he had money from my parents which he never repaid as well, looks like hes got away without paying roughly 15K worth now. Basically ill be paying until im past my mid 30's.

next time i think i want a boyfriend, will someone please remind me of the above!

4littleone

Just a quick note, "common law" status doesn't exist. As an unmarried couple you have no rights to each others property.
The only time you can make a claim would be if you had children together and wished to remain in the family home.

Unfortunately, if the outstanding debts are in joint names then you can both be pursued and if he doesn't pay it's down to you. The debts in your name are also unfortunately down to you to pay.
Even if you had something in writing from the ex it would still be very difficult to make him pay.
I think you should get copies of your credit record and check what is on there so that you can see any defaults etc.
I would speak to cccs or similar once you know exactly what is owed so that you can work out what you can pay etc.

Cleosmum

My now ex husband ran up my mastercard and I had no way of making him pay. I am just coming to the end of a debt management loan for the amount, has taken since 2003 to clear.

indigo_child

Thanks for the replies, and if anyone else is having this problem or knows someone who is thinking of doing this slap them, sit on them, just stop them from doing it! What ever it takes.....
Happily I have spent all today going to the CAB and different solicitors and got advised to take responsibility at the debt collection agency as a first measure. It turns out that even though the initial agreement was in my name, the debt collection agency has no record of my name is is soley persuing him. I shall now be contacting all three credit record agencies to confirm this.
All I can say is I have been very very lucky so it would appear... there by the grace of (insert deity) go I.....

NEVER NEVER NEVER EVER TAKE OUT CREDIT FOR SOME ONE ELSE