Partner taken loan in my name

Woods09
Woods09 Posts: 4 Newbie
in Loans
So at the begging of my relationship with my fianc! I took a loan out in my name to help her pay for all the debt she had from a previous relationship. We have been together for years now but things have started turning sour. I want to and it but I’m scared because I don’t wanna be struggling paying for a loan I gave her it’s not paid of till 2020. She also has credit cards in my name too because she turned herself bankrupt.
I don’t want to go bankrupt myself or end up paying for stuff I didn’t have. What should I do?
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Comments

  • BoGoF
    BoGoF Posts: 7,099 Forumite
    Name Dropper First Anniversary First Post
    If the debts are in your name then you are liable....nothing you can do about that.

    Suggest you cancel the credit cards to stop any further debt.
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
    Name Dropper First Anniversary First Post
    Woods09 wrote: »
    So at the begging of my relationship with my fianc! I took a loan out in my name to help her pay for all the debt she had from a previous relationship. We have been together for years now but things have started turning sour. I want to and it but I’m scared because I don’t wanna be struggling paying for a loan I gave her it’s not paid of till 2020. She also has credit cards in my name too because she turned herself bankrupt.
    I don’t want to go bankrupt myself or end up paying for stuff I didn’t have. What should I do?


    So she has cards but in your name, as advised Id be cancelling the cards like right now.
  • Woods09
    Woods09 Posts: 4 Newbie
    I don’t know what companies she has taken them out in
  • ttoli
    ttoli Posts: 825 Forumite
    First Anniversary First Post
    Woods09 wrote: »
    I don’t know what companies she has taken them out in
    Should say on the statements
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Look on your credit file.

    You need to distinguish between those you took out and those she took out.

    You can only report those she took out fraudulently.
  • newuser86
    newuser86 Posts: 312 Forumite
    First Post First Anniversary Combo Breaker
    Do an experian or clearscore check on yourself and see what comes up. Hopefully not a lot of defaults.........
  • BoGoF
    BoGoF Posts: 7,099 Forumite
    Name Dropper First Anniversary First Post
    Register with MSE credit club to see what it shows.

    Are you saying she applied without your knowledge?
  • Woods09
    Woods09 Posts: 4 Newbie
    Only the loan was with my authentication
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
    Name Dropper First Anniversary First Post
    Woods09 wrote: »
    Only the loan was with my authentication


    So your saying she took the cards out without your knowledge ?


    Find out what the cards are and get them cancelled.
    Up to you but you could tell them they were taken out without your consent eg fraud ? Debt may get written off.
  • BoGoF
    BoGoF Posts: 7,099 Forumite
    Name Dropper First Anniversary First Post
    So she has been opening mail addressed to you to get her hands on the cards/PIN?
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