I haven't posted here before, So i will introduce myself briefly, My name is Linzi Iddles, I am 26 years old with 1 little boy and a girl due on boxing day. I have been married since July 10th this year, and my questions are in relation to my husbands debts.
When myself and my husband got together, it was clear to me that he had some debts with catalogues opened by an ex girlfriend, But i wasn't aware how much they came to. We have now come to nearly 10k and i am slowly and surely getting more and more stressed by the daily letters coming in demanding money and threatening doorstep action. There seem to be about 5/6 different companies asking for the money, and as my husband didn't know that these accounts were opened in his name untill after him and his ex split up, someone suggested to me that i send a prove it letter, requesting a copy of the signed credit agreement that they would supposedly have if it was indeed opened by my husband.
I done this, and have recieved letters back from 2 companies both with a 're-constituted copy of your credit agreement' and a 'copy of the current credit agreement which includes all applicable contractual variations and amendments that have taken place.'
Nowhere on these agreements does my husbands signature appear. And one of the companies even failed to send me a full statement of account, including all interest and charges, as i asked for.
So i am really confused now.........There doesnt seem to be any proof that my husband opened these accounts (as i know he didnt, so didnt expect there to be) But i am really unsure of what to do next. Do i just leave it? Or do i send them another letter asking once again for the signed (by my husband) proof that the accounts were opened by him?
I would soooooo appreciate any help offered on this one, I just can't seem to find the light at the end of the tunnel, and we could do without the threat of doorstep action this close to christmas, and so close to baby being born.