Credit card debt...Am I liable ? for Exs Debt ....

[mrbobo]

hi all

i'm new here,just wanted some advice.my wife has taken out 4 credit cards over the last 2 years.as far as i know she has never missed a payment or gone over her limit.we had a major argument about 2 weeks ago and she has gone back to poland.i have no idea if she is coming back.a couple of card bills have arrived,basically i just want to know where i stand,obviously they are on our address,am i at all responsible for her debt.:o

[ukaviator]

Hi Mrbobo

 

A few questions:

 

Are the cards in her name?

 

Were you issued a card too?

 

have you informed the card companies that she has left the country?

 

What you should do straight away is get your Credit Reference files from Experian, Call credit, and Equifax. Once you have these, you call the companies above ,and ask them to send you out a disassociasion form.

This form once sent back and signed by you, will remove any financial ties with your wife in the future. Does come in handy especially if there maybe a divorce in the future. You should tell the card companies where she is and to send all mail there.

[mrbobo]

hi thanks for that advice,i am the additional card holder on 2 accounts.but she is the main account holder on all 4 cards.after doing what you suggest would i be liable at all.

[brechiner]

hi thanks for that advice,i am the additional card holder on 2 accounts.but she is the main account holder on all 4 cards.after doing what you suggest would i be liable at all.

 

She is the cardholder and she will be liable. Just dont use the cards.

[mrbobo]

thanks for that,i have one more question about nco europe,i had a call from them,stating my wife had a debt with them.they wouldnt tell me what the debt was or the amount,but it was less than £50.after a few more questions i came to conclude it was a debt to paypal which was probably no more than ten pounds.i offered to pay the debt,which they said was ok,but they couldnt tell me the amount and it would be taken from my card,i of course said no way,they were incredible rude.they said id have to wait till my wife could pay.to me this company sound well dodgy,im just concerned they will start adding on all sorts of charges and i'll have someone come knocking for hundreds in a few months.any advice concerning nco would be appreciated.

[mbdiss]

do you know her log in for paypal - or have cookies on your computer - so you could go and check the amount owing ?

 

is this right?? dose this not bend the law some what??

 

if it is her debt then carn't you just inform them that the person they want is no longer live at the address??

[gizmo111]

If all the debts are in her sole name - then it is nothin ot do with you - do not offer to tpay anyone anything that is not yours. Do as UK suggested and as long as there is no joint accounts enter a notice of disassociation with the CRA's.

The problems may arise if you have joint assets - eg property - can you clarify if you own a property?

[MARTIN3030]

Your posts moved here.

I think its more appropriate for further advice.

[brechiner]

thanks for that,i have one more question about nco europe,i had a call from them,stating my wife had a debt with them.they wouldnt tell me what the debt was or the amount,but it was less than £50.after a few more questions i came to conclude it was a debt to paypal which was probably no more than ten pounds.i offered to pay the debt,which they said was ok,but they couldnt tell me the amount and it would be taken from my card,i of course said no way,they were incredible rude.they said id have to wait till my wife could pay.to me this company sound well dodgy,im just concerned they will start adding on all sorts of charges and i'll have someone come knocking for hundreds in a few months.any advice concerning nco would be appreciated.

 

You must allow that the company concerned are not allowed by the DPA to tell you about her debt amount. It is not being dodgy just legally compliant. Obviously you would know the debt amount eventually when the payment was taken.

[demon_x_slash]

So you would just hand over your credit card details, brechiner, and not ask how much they were attempting to take and how they had reached that total?

 

Really?

 

:-|