I have 2 credit cards in my name and he has maxed them and is not paying them. I had these cards when we were together. He also owes on my calaogue but beens as the item was delivered to my address he is not taking responsibilty he also owes me cash. we have no written aggreement so please what can I do. I can not afford to pay these debts on my own. and I am getting into even more debt because of him. Please Help Me with some advice.
2007-05-23 00:53:52 · 12 answers · asked by brummie_bykerbabe 2 in Business & Finance ➔ Personal Finance
I have got the same problem with a girl I was friendly with. Got her out of a bit of bother with a debt company and now she is ignoring me.
I think we have to bite the bullet on this one Hun.
I wish you luck though XX.
2007-05-23 01:02:03 · answer #1 · answered by iain xx 4 · 0⤊ 0⤋
i would go to the citizens advice but i think that as you have no proof that he has spent the money there isn't that much you can do i may be wrong,also see a solicitor and you could try talking to your so called friend about the situation tell him that you can't afford to pay the debts off yourself and point out to him that as you were good enough to help him out the least he can do is honour his debts, if he doesn't pay any attention then i would say he is not a friend and cut all contact with him, then contact the credit card company's etc and tell them the situation and work out a payment plan.but i will say learn a lesson from this, this guy has taken advantage of you don't lend large amounts of money to anyone especially if your getting yourself into debt to do it,why couldn't this guy get his own credit card you will probably find he's black listed and owes money all over the place. good luck i hope you can work it out.
2007-05-23 01:09:58 · answer #2 · answered by bellybabe 2 · 1⤊ 0⤋
Brummie - calm down.
This so called freind has ripped you off..
OK he is responsible for the debt.
Two options arrive before us.
You contact the credit card companies, and ask for the signature on the receipts, then write back stating "that is not me"
Or stick in a "small claims" court application, they work up to about £10,000 if you have his address etc, he is obliged to fork out the money owing, or risk jail.
A written agreement is not needed, you just stand up and state your case. The magistrates will make a decent decision, and I feel, in your favour.
Matey will have to cough up, or get a criminal record.
It is tantamount to personal theft, so stay strong.
My ex-girlfreind used my card to buy a car.
Hold on, I spake that is a bit rich !
She payed me back in weekly bits, and all was well.
That is fair enough.
Get a solicitor on the case. It will cost, but that is re-payable to you when you win the case.
All the best, it will sort itself out.
I know of one bloke in my motorcycle days, who sent in the "heavies" to remove all his stuff, as he had borrowed a lot of money from mates. Stripped clean, harsh justice, and lesson learnt.
Bob.
2007-05-23 01:23:03 · answer #3 · answered by Bob the Boat 6 · 1⤊ 0⤋
Do you have any proof he spent this money? if so you could try the small claims court. The CAB will be able to tell you how to go about this. I'd try diplomacy first though. Tell him he has till midnight on friday to pay up in full or You'll have his legs broken. Failing that you're his ex! You must know stuff about him that can make his life a misery. Best of luck.
2007-05-23 01:06:12 · answer #4 · answered by theunknownstuntman 4 · 0⤊ 0⤋
Talk to the banks who issued the credit cards and work something out with them. Unfortunately as they are i your name only you are responsible, also talk to your catalogue company and sort something with them.
I would also suggest you go to a solicitor (think you can get an hour appointment which will cost 40 but worth it) and see if there is any way that you can claim this money back from your partner (who I am hoping is your ex partner)
Just please do not bury your head in the sand and hope this will go away as it wont it will just mount up
Good luck
2007-05-23 01:05:26 · answer #5 · answered by Anonymous · 1⤊ 0⤋
Take him to small claims court to retrieve your money. Be prepared with the statements & your diary with dates of when he has borrowed money off you.
You just got to your local court house & fill in some forms. It will cost you a fee at the time but ask the judge to get your ex to refund you that fee if you win. The court will also give him a date that all money must be paid to you. If he doesn't the sheriff will then start action on him to repossess his assets & even get his employer to garish (take a part) his wages.
DON'T LET HIM TALK YOU INTO GIVING HIM ANYMORE MONEY. This guy is a loser if he can't take responsibility for his actions.
2007-05-23 01:06:08 · answer #6 · answered by Anonymous · 1⤊ 0⤋
sorry to hear about that.
Legally, you are responsible for the repayment of the balances.
He can pay you if he wants too, he is not legally obliged as he has not signed an agreement with the creditors.
A girl at work wanted me to max out my catalogue, I told her to pay half the balance first then I will place the order and then once she pays the balance in full, she can get the goods.
Friend or no friend I am not messing up my credit rating for no-one!
2007-05-26 00:37:07 · answer #7 · answered by Rebz 5 · 0⤊ 0⤋
Rule number one: never loan money you can't afford to not get back. Take it as a life lesson. It sucks but you will manage to survive somehow. I know it is a very bad situation to be in, but you will certainly be wiser next time around!
2007-05-23 08:23:06 · answer #8 · answered by Charly 4 · 1⤊ 0⤋
Legally nothing. If he is a real friend he'd take the responsibility on. I think you've been had!
Small claims? You need proof though.
2007-05-23 01:03:57 · answer #9 · answered by scottie 4 · 0⤊ 0⤋
File a claim call the local magistrate and ask how you file a claim. You can take them to court and also get the filing fee from him too.
2007-05-23 01:03:31 · answer #10 · answered by aswtdevl 3 · 0⤊ 1⤋