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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
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    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can DCA chase spouse for debt incurred before marriage?


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Sorry about the long title. My husband is being chased by AIC with regard to a business debt with Natwest.

 

The debt was incurred on a business account and a business loan he took out before we were married. AIC managed to catch me on the phone and told me that as I am his wife I am legally responsible for the debt too. Does anyone know if this is right?

 

I have another question which I'll post on another thread.

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I'd keep it on one thread (drop this one) as your case is a little more complex than most. I was going to ask on the other post if you were "submissive" to the DCA at some point, but decided against it. Well, you have confirmed that you were while on the phone to them. When they smell blood they go for the kill. The best way to handle debt collectors is to assume that they are your husband/partner and they have done the most annoying/irritating thing they could posssibly have done to you. That then puts you in the right frame of mind.

 

Don't speak to them AT ALL. Say nicely but firmly "put it in writing". And repeat that every time they say something. Say nothing else.

 

They could go for a County Court Judgment in the UK - but it will be unenforceable in the UK if he has no presence or assets here - but possibly may be enforceable in France. You need to check French law on that one.

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Trust me, there is nothing submissive about me.He caught me on my mobile when I was expecting another call. I have already sent a CCA letter and would not say anything to him other than repeating that I had nothing to say and he should expect a letter shortly and hung up.

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AIC managed to catch me on the phone and told me that as I am his wife I am legally responsible for the debt too. .

 

If you agreed, in writing to act as a secuity, or you signed the debt as a co-signatory, then you are liable.

 

if the debt was not taken out in your name, then you are NOT. The fact you married someone has no bearing. Married women have property rights, and are not bound by the decisions of their husband without their agreement.

 

It's not 1800.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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