Hi, my ex-partner has amassed a pile of debts, in the thousands, on credit cards. It's looking like he may go bankrupt very soon and is doing nothing about it. Head/sand interface. He hasn't contributed anything towards the mortgage, the bills or anything for over a year, apart from the minimum amount of child support. The problem is that the house is in both our names and I'm worried to death about what will happen if he does go bump as I have a young son to support. I'm a full time student at University so I'm not sure if I can buy him out or not or what my options are under the circumstances. Can I buy him out? Can I take his name off the mortgage? If the creditors come after him how will it affect me? DizzyGirl

Hi, sorry about that, write in haste, repent at leisure

My idiot-ex has been late with two payments on his BarclayCard, the first time in October/November and again in December/January. After several weeks of calls from BC - every three hours/6 days a week, I read through a few old threads and ending up writing to BC advising them that idiot-ex doesn't live at the home address and please do not call the home number, remove it etc. I gave them his mobile number and haven't heard from them since untill last week when a rep from BarclayCard called. He hasn't paid his Dec payment on the card Im guessing. Ive asked him to call BC and change his address details and please sort it out. Idiot-ex idea of dealing with things seems to be stick his fingers in his ears and his head in the sand or alternatively blame me for his problems and then ignore them. I'm starting to get worried, the house is in joint names and if BC get hard ass about non payment could it affect me and my kid?? I don't want court orders and debt collectors calling or in the worse case scenario, we lose the house. Any ideas how I can dis-associate myself from him and his bloody debts? Im a single mum on limited debt and I already suspect he's saddled me with paying back the joint overdraft. DizzyGirl67

Hi, me again. I have an M&S credit card with a balance of £3,000 which I havent used for the best part of eight years, Ive been paying it off quite happily at £100 a month till a few months ago. Due to a change in circumstances I called them and arranged reduced payments of 10£ per month, I also asked them to freeze interest which they refused to do and said they'd review it in November, I think there is also a default notice on the account. My circumstances have since got worse if anything and whilst I can afford £10 Im wondering what I should do next as the interest rate is hideous and I want to shrink the debt not grow it! Do I write to them and offer to continue to pay the £10 please freeze the interest etc?? Edit: After looking through the other threads do I send them a SAR request to see what they have on file and whether they have sig, I dont honestly remember signing anything and cant remember if the card was originally a store card since converted to a CC.

My partner and I seperated in Sept 2012, we have a joint account/overdraft with NatWest which is about 30£ off its limit. There are about 40£ worth of fees due next week so my idiot-ex is going to give me some money to pay the fees with a bit left for maintenance *sigh* My question is this: how soon wil it be before NatWest get gnarly about us paying it back/reducing it? What will they do and what action will they take? Both our names are on the Joint Account and Im living in the family home so Im assuming I'll be the easiest target so to speak. I want to get this sorted but cant afford to take on re-paying it myself as Im on benefits.

Yes, it's his card, thank goodness. I've written to Barclaycard and advised them that he doesn't live at the home address anymore and they should call him on his mobile and not at the home number. The calls have since stopped and miracle of miracles he has rung BC and explained the situation. Thanks for your help.

My partner and I seperated in September, since then he has missed the October payment on his BarclayCard. Barclaycard have been on the phone every three hours for a week and a half, it's been quite creepy in that they have been trying differant patterns of times to catch him in. He visits his son regularly and I have asked him repeatedly to get in touch with them and get it sorted but he keeps 'forgetting' to do so (head/sand interface) a statement arrived the other day and it accidentally fell open, like they do. Since he left he has been living on his card and his balance is scary. What's the best course of action? I'm a single mum, living on benefits and I don't want my idiot ex's creditors chasing him at this address or worse still Bailiffs turning up if he continues not to pay. I wrote this letter to Barclaycard: Dear Sir/Madam, Re: Please can you update your records to note that XX XX doesnt live at this address, we have seperated, and hasnt done since the 20th September 2012. Can you ask your agents to contact him directly on his mobile number: XX this is the only number my idiot-ex can be contacted on. I dont have a forwarding address for him but he does pick up his post from this address every so often. My personal circumstances are such, single mum on benefits, that I do not want idiot ex's creditors chasing me or this addresses credit score adversely affected in any way. Thank you for your time. Best regards I feel a bit mean but I have enough to worry about as it it.