my estranged wife has ran up a large debt in my name , using my details but her own address , it is affecting my credit rating and she has no intention of paying it . i have written to the card company ... nothing .
2007-06-16 08:07:18 · 14 answers · asked by Jo W1 1 in Business & Finance ➔ Personal Finance
Unless you are legally seperated what your wife is doing is legal in most states, all of the community property ones.
You need to file for a divorce. If you can legally prove (not just your word) that you completely seperated, including all accounts, house, etc you might be able to get your judge to date the seperation then, not the date of filing. This would be the only way you could get away w/o incurring half of her debt.
2007-06-16 08:13:58 · answer #1 · answered by Elsa D 6 · 0⤊ 0⤋
Write and explain your situation and that you don't live at that address any more and back this up with any proof you can like a photo copy of your electoral role entry from the library or your utility bills, bank statements etc. Get a sworn affidavit from a JP you may have to pay but it is written proof of your word. THEN get in contact with Equifax and Experian and submit all the evidence and state that you are not responsible as you have not lived at the address relating to this debt or your ex-wife. THEN get a solicitor to write up a legal letter telling your wife you are starting legal proceedings against her if she does not rectify the situation immediately. REFUSE to speak to her on the phone as you should try to get written proof from her of her deception.
When you have this then take it to the solicitor. If need be go to the courts with this!!! You will have a long hard battle to clear your record and will end up totally black listed if you don't sort it out.,...good luck!
2007-06-16 08:14:33 · answer #2 · answered by Confuzzled 6 · 0⤊ 0⤋
Post a notice in three of your largest papers and run it for two weeks that:
I, John Doe, have seperated from Jane Doe with the intentions of divorce on the date of Month XX, 200X, and hereby renounce any responsibility for debts incurred directly by her, or indirectly by her fraud.
You then need to hire a lawyer to go after the companies that have given her credit in your name and freeze the accounts and go after her criminally for fraud.
You also need to contact the three credit bureaus, and put a credit watch - so that you will get notified anytime someone tries to access your credit, you can deny or approve it.
2007-06-16 08:15:04 · answer #3 · answered by Mike Frisbee 6 · 0⤊ 0⤋
1. Talk to a lawyer.
2. Tell the credit reporting agencies about the problem. There's some kind of credit watch or warning thing that they can put on your record. This will work to prevent her from opening new accounts without your knowledge.
3. Get a divorce.
4. Sue her.
2007-06-16 08:11:00 · answer #4 · answered by hottotrot1_usa 7 · 2⤊ 0⤋
well personally i take her to court and let the judge order her to pay back the money. also you can also sue her for stealing your identity and those kinds of cases is taking serious because so many people like yourself get into these kinds of situations due to a love or even a close friend getting the information they need to buy things on credit they know they will never pay back. you can sue her for identity theft. i hope this helps and hopefully you never have to come out of the pocket for your estranged wife faults.
2007-06-16 08:16:25 · answer #5 · answered by mremre18 1 · 0⤊ 0⤋
Apart from affecting your credit rating, she could also leave you with the large debt!! You should speak to a lawyer who has the legal aid sign up on their window. ou will get the first half hour free & they should be able to give you good advice in this time.
Failing that you could always return the favour & see how she likes it but be sure to get yourself something worthwhile!!
2007-06-16 08:14:13 · answer #6 · answered by vonny 3 · 0⤊ 0⤋
Write to the Credit reference agencies and sign a 'Notice of Disassociation'. You can sever all links to her name then.
She can also be done for fraud!
Take no notice of the card company if you didn't apply for the card. Or you can ask them to 'prove' the debt. They then have to send you a copy of the original application etc. You can then prove that you did not sign it as it won't be your signature will it!
2007-06-16 08:12:19 · answer #7 · answered by Anonymous · 0⤊ 0⤋
If it's in your name and you didn't actually sign for it, then I would go to the police because it is fraud. The police can then investigate and liaise with the credit card company for you.
2007-06-16 08:10:23 · answer #8 · answered by Oldgirl 3 · 0⤊ 0⤋
Three little words: Citizens Advice Bureau!
2007-06-16 08:26:38 · answer #9 · answered by †100% Angel† 6 · 0⤊ 0⤋
as the debt is in your name you have to pay it .. i know of someone in this situation and his ex wife has rung up thousands and he has had to pay it .. surely if she used your name this is fraud did she sign the agreement as you ? if she did contact the police ... if she just used your surname then you are liable
2007-06-16 08:14:23 · answer #10 · answered by sammie 6 · 0⤊ 0⤋