Thankyou for taking time to reply to my post. How have they shot themselves int he foot? If it is irresponsible lending, what can i do? can i make a complaint or will it be a case of them spliting the loan between the two of us. We have never missed a payment. I have spoke to them and explained the situation, they have placed our account on restrictions and they closed my credit card aswell. Do you have links that i can read to help me?

Can i just add. My husband has paid this on time for the last three years. We both thought it was a joint loan. Is there anyway i can force Lloyds tsb to split it with him?

Hi all, Around three years ago we applied for a loan of £25000 (Payment £393) through our online banking, it was accepted a year later we applied again for a further £12000 (payment (£234) same method. the money was in our joint account within two minutes of applying both times. I myself was only working part time for an agency earning around £400 a month, i now do have a part time job earning £600 a month. I am going through a break up with my husband, i called lloyds tsb to ask them how we go about the repayment if me and my husband could split the loan between us. I was told that the loan was all in my name and that my husband isn't liable for the payment. I told them that we applied on our joint account and i always assumed that the loan was a joint one. We never had a loan aggreement to sign as they took the password from the keyfob as proof of signature. I asked how they could justify giving me loans with a total of £37000, when i only ever earned a maximum of between £400-£600 a month, they said it was due to our account score and how it was managed. Its obvious to me that my husbands income was the reason the loan was accepted (£2000 a month) but he now doesn't have to pay it. I dont know what to do as now my husband has found this information out, he is refusing to pay the direct debit. Is there anything i can do?