my daughter as been using my credit card,igave it to her several months ago,but now as refused to pay the bill

Question

i let her use it but not to abuse it.she as been paying the bill all the time but for reasons beyond my control she says that she cant afford to pay anymore.but im in a situation that i cant afford to pay it as well.is it my problem to sort it out or can i force her to pay for it please help.thanks

Answer 1

you gave her the card

legally its your debt and your problem

morally its hers.

you could try suing her through the small claims court (its all done on-line now) but thats not going to make for cordial family gatherings, is it.

Answer 2

First things first: get the card back and cut it up if you both cannot afford to pay it, so that you don't go charging anything more on it. If you can't get it back, call the credit card company and tell them you misplaced it and have them cancel it and issue a replacement. This does not get rid of the debt it simply cancels the card. When you get the replacement card in the mail, cut it up because neither you nor her can afford to have a credit card.

OK, now that she can't charge any more you have to figure out how to pay the outstanding balance. Unfortunately, there isn't anything you can do to force her to pay so you will have to negotiate with her to get whatever she can afford each and every month until the balance is paid off. You have to at least make the minimum payment each month and hopefully you can pay more than the minimum otherwise it may take many years to pay off the balance. Pay whatever you can each month until its paid off. If you only make the minimum payment and the balance is large, the interest charges may make the balance grow each month so you end up going backwards and the debt keeps increasing. So you have to find a way to make decent payments each month so that the debt decreases rather than increases.

Good luck.

Answer 3

In the first place, if she still has the card, cancel it immediately. Sorry, but the credit card company sees you as the holder of the card so you are responsible for the payments.
You've learned an important lesson from this and it is: NEVER lend money to relatives--no matter how much they beg or how dire they tell you their situation is. That is if you value the relationship. Since they are relatives they feel that they should be given special dispensation when it comes to giving the money back. If you give money to a relative ALWAYS consider it, potentially, to be a gift because there is always a huge chance that you will never see a nickle of it again. Never "lend" money to relatives that you cannot afford to lose.

Answer 4

You should cancel the card immediately and do not let her use it again - you have trusted her and she has abused that. I would never to that to my mother. If she needs extra money then she has to get a job. She should do the right thing and pay you back. In the meantime, if you cannot afford to pay it back contact the credit card company, explain your circumstances and come to a repayment arrangement. Your daughter could have ruined your credit rating.

Answer 5

I'm afraid it sounds like your in a situation where unless you want to press charges against your daughter then you will end up getting lumped with the bill.
Can she not get a credit card with 0% balanced transfer and then you can transfer the outstanding amount into her name?!
It also maybe worth consulting the Citizens advice for there opinion.
Hope this helps.

Answer 6

I am afraid this one needs to be put down to experience. You have no legal recourse as you gave her permission to use it. SO this rules out fraud. You cannot sue her for the money either unless you had a specific agreement which would constitute an implied contract that she could only spend £X but from the sound of it you did not. You could appeal to her better nature and agree a minimum payment plus a little more so that you are at least reducing a little bit of the debt.

Sorry but no other options - kids we love them but they roast our hearts sometimes.

Answer 7

You cant really force anyone to do anything, even with a court order. You probably learned a lesson. Cancel the card if you can. Or pay it off then cancel it. Or Transfer the balance and then cancel the card.

Answer 8

The contract will clearly state that you are responsible for all debits incurred by using the card, you signed this agreement so you are fully responsible for all repayments, sorry if not the answer you were hoping for, good luck getting the money from your daughter as she is the one who should be made to pay

Answer 9

Unfortunatly, bu giving your daughter your credit card you took on the financial responsibility of her charges.

You can make her pay you back. There is no legal recourse unless she admits that she agreed to pay all the charges in court.

At the risk of your credit, you need to at least pay the minimum payments. Save proof of payment (canceled checks) and you may be able to make her pay some.

Good Luck!!

Answer 10

Take the card back and speak to the bank about a payment plan. WHY would you give someone else your credit card? I would seriously think about cutting off your daughter as well, even for a little while, she should take resposibility for what she has spent but instead she took advantage of you

Answer 11

Oops - if you are her mother and she used the credit you should make her go out and earn some more money to pay off the debt and let that be a lesson for you