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PDL & Gambling - Loans In GF & My Names...


ml1973
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Hi

 

First ever post. I had until around 6 months ago I very serious gambling problem. I would take out any loans I could get to fund my addiction. I then took out loans in my girlfriends name which i am truly ashamed of. I've taken full responsibility for this and am going to pay them all back. (I have 2 to pay back still)

 

My question is can I contact the loan companies to transfer the debt to my name leaving my girlfriends name in the clear? Also can any defaults be removed from her account?

 

She decided, which I am very,very grateful for that she doesnt want to take any legal action. Will the loan companies take any legal action? I'm very worried but it's my mess and I have to face up to the consequences.

 

Thanks

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others may offer better advice as i'm not 100% certain it is possible but, your gf could quite simply ask them to transfer the debts to you advising them that you will now be handling all payments on them, you'll have to write/sign the letter showing your agreement

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I'm afraid that I doubt whether there is any way you can have the loans transferred and certainly no way in which you can have the defaults removed from her file.

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I am aware that it is possible to transfer a credit card or was possible in the past if a person could show that they had or were currently making the payments

I'm afraid that I doubt whether there is any way you can have the loans transferred and certainly no way in which you can have the defaults removed from her file.
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Chances of getting them transferred are slim and i'm afraid your GFs CRA will be trashed. Whose bank account were they paid into?

Are any of these PDLs? We've recently had a gambling case with CAG that I was working on...

 

LEt us know what debts they are and lets see if we can help.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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All the loan are payday loans. The ones that marked her file with a default aren't really and issue just the ones that have. 247 moneybox is one that left a default.

 

Okay right, may I ask you to get a summary of all loans from every PDL provider youve had one from... ?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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My last message wasn't clear. I meant the the loan that I took out which have now defaulted are the important ones to clear my GF credit file. £399 to 247 moneybox (active securities) and one for £480ish from lending stream but which has now been passed over to Motor Mile Finance.

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Just those two now, 247 money box and motor mile(formerly lending stream) l've paid the rest. I'm only going by the defaults on clear score. She doesn't have an experian so there could be more defaults.

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To answer your original question, the CRA files are a snapshot of the position as currently reported to them. As you made fraudulent applications in your GF's name the reporting can only be dealt with by her and the consequences for you would be out of your hands so if you want to go down that line then make sure you can pay back every penny before you take that step or you wont get any sympathy from any of the lenders and nor will she.

I hope that you can sort this out as the companies involved are more likely to avoid nastiness if it is in their interests.

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To answer your original question, the CRA files are a snapshot of the position as currently reported to them. As you made fraudulent applications in your GF's name the reporting can only be dealt with by her and the consequences for you would be out of your hands so if you want to go down that line then make sure you can pay back every penny before you take that step or you wont get any sympathy from any of the lenders and nor will she.

I hope that you can sort this out as the companies involved are more likely to avoid nastiness if it is in their interests.

 

The applications made, did you do them without her knowledge?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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