Will your partner’s debts affect you?

Written by Chelsea Potter on 27 June 2016

One of the most common concerns our customers express is whether their debts will affect their partner. With many myths associated with marriage and debt we thought we’d put together a blog post explaining everything you need to know about how your partners debt will affect you.

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Marriage and debt

It is commonly believed that when you get married, your credit record will link up with your spouse’s creating a joint file. This is not actually the case. Only joint credit will link you and your spouse together so marriage alone is not enough to impact your credit rating.

Another common myth associated with marriage is that once a partner changes their last name, their credit history is deleted and their file starts again. This is false – your credit history will remain the same, the only difference to your file will be your new name which will have been added as an alias. If you have recently got married you will have to inform your creditors of this name change in order for it to appear on your file. Only once creditors have updated their information will your credit record change to reflect this.

Joint debts

Whilst marriage is not enough to link you and your partner’s credit files, joint credit applications will make an association between you and your partner. Whether you open up a joint account, apply for a joint credit card or get added to an account with your partner, all of these scenarios will join you and your partner together. While this can be great for couples who have a solid financial history, if you or your partner has a background of defaults it can affect the other’s file.

Even if your joint accounts are up to date and you have no current issue with debts, when you establish a joint account your partner becomes a financial associate and will be named as such on your file. Creditors may choose to look up your partner and their history could affect any future credit applications.

Should you or your partner have a wobbly credit history it might be best for you both to keep your finances separate and work on rebuilding the credit file in need. You can find our tips on credit repair here.

Secret financial lives

Despite the effect that your partner’s debt can have on your own ability to access loans or services, a surprisingly high number of people fail to discuss their debts with their loved ones. When we conducted research last year into mental health and money problems, we discovered 80% of people wouldn’t tell their partners about their debts because they were worried about how they would react.

Financial privacy is one thing, but if secret debts threaten the stability of the whole household then it can be a real issue – and an added strain on a relationship. Before linking your finances with a partner it is important you ensure you know about their credit history.

Could you be liable for your partner’s debts?

One thing that scares a lot of people is whether they are personally liable for their partner’s debts. For the most part, you can only be held responsible for debts that are in your name or held jointly in your name – so if you have a shared credit card or bank account with an overdraft then you should check the balance regularly.

If you and your partner are jointly liable for debts then that doesn’t mean you owe just half the money – the creditor can demand you repay the full amount if they can’t get it from the other account holder.

There are some household bills like council tax where you will be considered liable if you’ve been living in the property for a period but for the most part, debts in your partner’s name remain solely their responsibility.

Having said that, if you share a mortgage and your partner is facing bankruptcy then this can have an effect on your stability, although you should be able to protect your half of any equity in the property. The best thing to do is get advice as soon as you know there is a problem; ring us or encourage your partner to get in touch.

When a partner becomes an ex

There are many reasons why relationships fail and the stress caused by debt is a common one. However, if your partner has a lot of unpaid debt and moves out, you may find that collectors and bailiffs pursue them at your address. This can be quite scary but you need to stand firm and not allow the debt recovery professionals into your home. Explain that the debts are not yours and that your ex-partner no longer lives at this address.

If creditors continue to chase you for debts that aren’t your responsibility then you could ask the credit reference agencies to unlink your names on your credit record. However, that will only be possible if you no longer have any financial ties to your ex, including bills and debts in both your names.

Talk to us

If you’re struggling with debt and are worried about telling your partner, or if you’re worried that your partner’s own debt situation needs some proper management then it’s time to get some informed debt advice.

Our qualified, compassionate advisers have experience in helping both individuals and households deal with their debts and they can help you work out the best solution for your financial difficulties. That may be a Debt Management Plan or something more formal like an Individual Voluntary Arrangement, but until you take some advice it can be hard to see a way out of the debt you’re in.

Ring us now on 0800 280 2816. It’s free and we can help you plan your way out of debt.


Filed under Living in Debt

This article was checked and deemed to be correct as at the above publication date, but please be aware that some things may have changed between then and now. So please don't rely on any of this information as a statement of fact, especially if the article was published some time ago.

53 thoughts on “Will your partner’s debts affect you?”

  • Sarah

    September 20, 2016 at 4:20 pm

    Hello I broke up with my ex 11 years ago now I am getting calls from debt collectors am refusing to pay his debts I have excelled credit in my own name can they still peruse ?

    Reply Report comment

    • Jane Clack

      September 30, 2016 at 12:23 pm

      You are only responsible for your own debts. If you had joint debt you are jointly and severally responsible however.
      You need to write to the debt collector and quote CONC about treating customers fairly and not pursuing once they know the debtor no longer lives at that address.

      Reply Report comment

  • Gladys Jameson

    October 7, 2016 at 11:03 pm

    My daughter was overpaid without her knowledge for 5 years. when this was discovered she got an agreement with employer to pay back a small affordable amount each month. Now due to ill health she has given up the post the employer is demanding the amount to be paid in full. Can they do this?

    Reply Report comment

    • Jane Clack

      October 10, 2016 at 3:35 pm

      She agreed she was overpaid and made an arrangement with her employer to pay back a small affordable amount each month. This means she has admitted liability but is now not in a position to make the previous affordable payment and, of course, her employers should be aware of this. She should write to them explaining again she has no money to pay them and either offer a token payment if she is receiving any money or ask them to write off the debt. It basically all depends on how long she was repaying them until she fell ill but even if they took her to court she would be able to respond with an offer of a token payment and an explanation of the circumstances.

      It is a problem that arises often so also have a look at this – written for employers: http://www.payandbenefitsmagazine.co.uk/article/recovering-overpayments-righting-error

      And this from ACAS – look at the information on the 2 year cap: http://www.acas.org.uk/index.aspx?articleid=4125

      Unfortunately we cannot really add anything further as this is beyond the remit of this site.

      Reply Report comment

  • Jamie

    January 18, 2017 at 9:20 pm

    My partner had taking a contact phone out for her mother and now her mother hasnt been paying her phone bill so now it has went to a debt recovery. Will this affect my credit rating?

    Reply Report comment

    • Jane Clack

      January 21, 2017 at 5:35 pm

      No it should not. It will affect your partner’s credit rating but unless you have any joint debts which will allow them to check your credit file as well, it will have no impact. If you do have joint debts although it will not be on your credit file they can look at her credit file as well if you apply for credit.

      Reply Report comment

  • Pauline

    April 18, 2017 at 6:05 pm

    I have recently got married and have some credit card debt that i am paying more than the min amount per month, however i have an account that i have defaulted on last year because the payments were too high and i was only paying interest off, i made an informal arrangement with the company to make a small payment every month, which i did for sometime, however they sold the debt and to a debt agency and payments stopped and will be getting set back up soon. My worry is that now we want to buy a house and i haven’t fully told my husband about said default and i doubt i will get accepted for a mortgage, i just don’t know how to tell my husband. Is there the option of my husband buying the house in his name alone?

    Reply Report comment

    • Jane Clack

      April 20, 2017 at 12:11 pm

      Depending on his income of course there is. It also depends on the size of the deposit. However, start making payments again and you can explain why there was a blip on one of the accounts – the default however, will remain for 6 years from when it was added.
      It is better to be upfront about this when applying if you have joint debts however as even if he applied alone if you have any joint debt this will allow the lender to look at your credit record too. There are also specialist mortgage brokers who could look at this where a slight impairment of credit record would not make too much difference. However, interest might be higher.

      Reply Report comment

  • hayley jones

    June 27, 2017 at 9:15 am

    I would like to go bankrupt, but got married 18months ago, my husband owns a property, my name isn’t on the mortgage or the deeds, we have no joint accounts, if I go bankrupt will it affect my husband and the house?

    Reply Report comment

    • Jane Clack

      June 27, 2017 at 10:02 am

      As long as you have no joint debts such as an overdraft or loan together then it should have no effect on your husband – as you married quite recently and the property is in your husband’s name and presumably was for a long time before you moved in together your beneficial interest in the property is minimal.

      Reply Report comment

  • leticia blight

    June 29, 2017 at 11:09 am

    hi I have a debt with tax credits over payment this was befor I married they want my husbands income to calculate my repayments.i don’t understand what it has to do with my husband its my debt

    Reply Report comment

    • Jane Clack

      June 29, 2017 at 11:18 am

      It is your debt but you are now in a situation where you are sharing bills with another person. You should explain what proportion of the household bills you pay. If you earn 50% of the joint household income then you should be paying 50% of the bills and they can then work out how much you can pay towards this debt and perhaps others. If he earns more and you less then this is taken into account and by providing a joint income and expenditure he can have his share of the disposable income to pay his separate bills – he does not have to pay your debts.

      Reply Report comment

      • leticia blight

        June 29, 2017 at 11:25 am

        i earn more than him is wages is a set pay.in my job i can earn more being a community carer my wages fluctuate but is more than his every month

        Reply Report comment

        • Jane Clack

          June 29, 2017 at 11:36 am

          So you have no problem declaring his income as he has a smaller proportion of the total income. You pay more of the household bills.

          Reply Report comment

  • Sally

    July 13, 2017 at 8:50 am

    I’m in love with a man who has financial issues, he was married before but after breaking up with his then wife he couldn’t pay the mortgage anymore and he didn’t have enough time to sell the house. Now the debtor are behind his back for over 5 years now, they’ve tried to block his account several times. He’s currently living on Social help, his wife doesn’t work either. We’ve been together for only 3 months, I’m worried that his financial situation my have a huge impact on your future. He’s a great spender as well which makes me feel like he might not be able to pay up his debts and I might get involved once we decide to live together. We are talking about 300 000 Euros. Initially it was 360 000 Euros. Some years back he made an agreement with the debtors and was asked to pay 100 000 Euros within 6 months, he only managed to raise up 60 000, which made them take him back to the current amount. My question is, why can’t his ex wife pay half of the amount? (They bought this house together). Is this a big financial red flag for me? I have a little son and I wouldn’t want this to have a negative impact to his future. Incase we move in together, can the debtors send auctionares to get the stuff we have? Everything is his, I have my own apartment but afraid of giving it up and moving in with my boyfriend.

    Reply Report comment

    • Jane Clack

      July 13, 2017 at 8:58 am

      First of all I can only comment on the situation in the United Kingdom and as you are talking about Euros I feel that you do not live here.

      In the United Kingdom if you have a joint debt you are jointly and severally liable which means that both parties are liable for up to 100% of the debt not 50% each. As this is a mortgage shortfall then they will pursue both. In the UK he could go bankrupt – if he did his then wife would be liable for all of the debt as it would be written off in the bankruptcy.

      In the UK also unless you have joint financial obligations then your credit files are completely separate. If you do then creditors will see this and can then look at the partner’s credit file to see if there were any risks lending to the other.

      I cannot comment on emotional ties but you do say he is a great spender and is living on benefits which means he does not have a great disposable income.

      I am sorry I cannot answer anything further. You need to find out the situation where you are living.

      Reply Report comment

  • Louisa

    July 21, 2017 at 12:11 pm

    How likely is it that two small payday loans this year will affect mortgage eligibility?

    Reply Report comment

    • Jane Clack

      July 21, 2017 at 2:54 pm

      It depends on the lender I suppose. They will want to see how quickly they were repaid – if in fact they have appeared on your credit file – and they may want to know what led to the money being needed. Defaults are more damaging.

      Reply Report comment

  • Robin

    July 31, 2017 at 5:05 pm

    My boyfriend is still married but legally separated and now they are finally getting around to the paperwork. Their home is in both names; she’s been paying the mortgage (with roommates) but cannot get a loan in her name alone. She wants him to keep the loan in their name and just keep doing what she’s been doing. My question is will this affect our getting a mortgage on a new home for us?
    One other question, what are the rules for alimony? She wants him to keep a Parent loan they took out for their son instead of alimony. Is this a good idea?

    Reply Report comment

    • Jane Clack

      July 31, 2017 at 5:46 pm

      I am sorry we are unable to answer questions for cases outside the United Kingdom. Your use of the word alimony and parent loan would suggest you do not live in this jurisdiction. I am sorry.

      Reply Report comment

  • Lee

    August 12, 2017 at 5:32 pm

    I left my ex partner 6 years ago. They were in debt and they ran up credit card debts in their name. I am now with my new partner and have a baby. I have received a small claim court summons saying my ex is claiming 9k.

    No cards were ever in my name, my credit rating is excellent and I distanced away from cards.

    We were not married and no joint account or joint cards.
    I’m worried sick. What is the legislation that states if you do not sign anything you are not liable, she’s spent up over last 6 years.

    Reply Report comment

    • Jane Clack

      August 13, 2017 at 10:52 am

      She has to prove that you owed her the money – she has issued the summons so you need to defend it saying you do not owe her any money. If you do not defend it then she will get a default judgment in her favour. Go to http://www.nationaldebtline.org and download their factsheet on defending a claim. There is not space enough here – nor is it a suitable place to discuss this in full – but a local Citizens Advice Bureau would be able to help with disputing a debt.

      Reply Report comment

  • Sam

    September 22, 2017 at 11:10 am

    I have a unpaid mobile phone contact which has now been passed on to a debt collector. I have a informal repayment in place however they have asked me to fill out a financial statement but I’m not sure how to do this. I am a stay at home mum and my partner works full time, we receive working tax credits and a small amount of housing benefit, I do not have an income as such and my partner has given me a sum every month to try and get the bill paid which is the current payment I have in place but I’m lost as to what I put on the financial statement, do I add my partners wages as income and If I o and they ask for more my partner will not be happy as its not his debt. Any advise would be very much appreciated.

    Reply Report comment

    • Jane Clack

      September 22, 2017 at 12:43 pm

      I am emailing you an repayment arrangement guide to show you what to do. You can put your husband’s income plus the working tax credits and child benefit and child tax credits which you will be receiving and show you are receiving housing benefit. This shows your family income is not very high and your husband is not expected to pay your debts – especially as you are already repaying at a rate you can afford. I am sending you a copy of our budget and if you fill it in I can look at it for you and check it is in a form the creditors will accept. You should not panic or feel guilty – you are acknowledging and repaying the debt.

      Reply Report comment

  • Mike

    October 12, 2017 at 1:07 pm

    My wife took out a loan in her name to repay her mother for wedding which I was told was a gift were separated now and she says I have to pay half is this right

    Reply Report comment

    • Jane Clack

      October 13, 2017 at 3:14 pm

      The loan is in her name so in law she is the only one liable. Morally you and she may feel this is different but the law says she is responsible.

      Reply Report comment

  • Lisa wwar

    November 1, 2017 at 11:44 am

    I have a huge debt due to an over payment of housing benefit while I was with an ex partner. The bailiffs are asking for my partners wage details but he won’t let me tell them as he has nothing to do with this debt. Do I have to give them his details?

    Reply Report comment

    • Jane Clack

      November 2, 2017 at 10:59 am

      No, they are his details. Who was claiming the housing benefit as if it were in joint names they should also be pursuing your ex partner but they will always go to the easiest first.
      If they have entered the property however they can exercise a warrant of control on goods in there and your partner would have to prove they were his. You need to get an arrangement set up.

      Reply Report comment

  • Rob

    November 22, 2017 at 9:50 am

    My partner has a warrent from the county court from a comapny she owes money too. Tbe bailiifs have posted a note saying they knocked with the intention to remove goods to cover costs. Pretty much everything in the house is mine. I bought them years ago and dont have receipts to prove this. Can i write a declaration of ownership and get it signed at the local magistrate’s court to prove the items are mine?

    Reply Report comment

    • Jane Clack

      November 22, 2017 at 10:15 am

      First of all these are county court bailiffs. They have no rights of entry unless they have already been let in. County court bailiffs are easier to deal with but your partner needs to deal with the problem. She has a county court judgment to which she has not responded. She needs to vary the judgment and suspend the warrant using an N245. She can find a fact sheet on this at http://www.nationaldebtline.co.uk I am not sure whether any clerk to the courts can sign such a declaration without proof.

      Reply Report comment

      • Rob

        November 22, 2017 at 10:29 am

        I was told it would cost £25 for either a Solicitor or a Magistrate Judge to sign it, i dont mind paying for it to be done as i would lose more than that if stuff was removed. And yes i will be making sure that my partner gets in contact asap which is hard a she is at Uni full time Mon-Thurs, i am just hoping to cover all bases as i knoe she doesnt deal with confrontation very well and will most likely end up allowing them in. Thanks for the reply i will ring the local magistrates court and speak to the clerks to see if this a viable option.
        Many Thankdms again

        Reply Report comment

  • Hope

    January 10, 2018 at 3:35 pm

    I am not married. I have lived with my partner for 16 years. We both live at the same address but he is the only name on the deed. We have no joint accounts or bills in both our names. I pay some utilities with my check but the bill is still in his name. The only bill is mobile phone where he has myself and his sister on the account.
    If I were to pass away is he liable for my credit card debt?

    Reply Report comment

    • Jane Clack

      January 15, 2018 at 9:09 am

      No, the debt is in your name only – all debts are paid from someone’s estate before any money is distributed to legatees. If there is no estate then the debts go with you. Hope that helps.

      Reply Report comment

  • Mark Crowley

    February 6, 2018 at 8:40 am

    Hi me and my partner split up 3 years ago she moved out and has her own rented place I live with our son. We still have a joint mortgage as I am unable to get a mortgage on the house on my own so have to keep her on it for the time being until my finances improve. I have paid the mortgage in full on my own for the passed 3 years. Recently I have seen debt collection letters at her house and wondered as we are linked and have a joint mortgage can they turn up at my house looking for the debt to be paid even though she doesn’t live here anymore but because we still have that joint mortgage?

    Thanks

    Mark

    Reply Report comment

    • Jane Clack

      February 20, 2018 at 3:23 pm

      Are they writing to her at your address or at her own home? If they are at her own home they may not be aware of her previous address but then again they might be as it will be on her credit report. The joint mortgage will appear on both credit reports – is she co-owner of the property as I am assuming. If she is and the creditors go for court action – which they may not do – they could apply for a charge on the jointly owned property. They cannot force a sale but until the debt is repaid they can keep the restriction on it. This could happen even if they agree to payments being made to a CCJ.

      Reply Report comment

  • F thomas

    February 26, 2018 at 11:49 am

    I am married and presently we rent. I wish to apply for a mortgage. My husband is older than me and has agreed to protect my future interest the mortgage and deeds will only be in my name. The mortgage will only be issued against my income. If he dies before me do I automatically get the house (he has children from previous marriage) we have no children together. If he needed care can a charge be put against the house. We have nothing in joint names not even the rental agreement.

    Reply Report comment

    • Jane Clack

      February 27, 2018 at 6:59 am

      If the house is in your name and you are paying the mortgage then the property is yours and therefore technically safe unless of course the authorities feel you should be contributing to his care. His children do not inherit your property after their father’s death they can only inherit from his estate.

      Reply Report comment

  • H.cour

    March 16, 2018 at 4:09 pm

    Hi I’m underdoing separation my still husband got a lot of debt for homeinprovments in his name only the house that we own is paid off I been on benefits for a long time with him on it as well he only got the loans by telling them he is working and earning a lot of money and that what’s not true now we are splitting he told me that his solicitor said I will have to pay half of that debt I’m still on benefits can’t work very ill he is working we had agreed for me to get the house but now he told me cause of all the debts we will have to sell house is in bad way no way house sell will cover his bebt do I have to pay back half off all loans he got in his name only.

    Reply Report comment

    • Jane Clack

      March 20, 2018 at 3:23 pm

      You only have to pay back debts that are in joint names. If they are in his name and NOT secured on the property then they are nothing to do with you and you are not liable for them. His solicitor may have suggested this but it is not law unless they are in joint names when you would both be jointly and severally liable – which means you are both liable for up to 100% of the debt not 50/50 each.

      He is obviously going to want his share of the property so you do need to get legal advice yourself.

      Reply Report comment

  • Danisper Onassisala

    March 17, 2018 at 11:36 am

    Hello, I am hoping you can help. I have been with my partner for 6 years. Before we started our relationship my partner ran up a lot of debt. I believe he took out a bank loan of over £20k, and then was unable to keep up repayments, and so took out another loan to try and pay off the first… Unfortunately he was unable to keep up the repayment on the second loan too… Due to this he is unable to open a bank account or have any debit cards at all; because of this his wages come into one of my bank accounts every month, and he uses one of my debit cards linked to the account with his wages in. He has not run up any debts at all since we have been together. All of my bank accounts, mobile phone, broadband contracts, and any direct debit payments are all set up in my name and nothing at all has his name jointly on – this will continue to be the case even after we are married, I am keeping everything in my name solely. My concern is that we are soon to be married and I worry that his past debts will have an impact on my credit score and prevent me from taking out any loans or credit purchases should I wish to once we are married. I am also very concerned that debtors might come after me once we marry. We currently live at separate addresses (in council properties), and will move into my home after the wedding. Please could you advise if I will become liable for my future spouse’s past debts? Thank you greatly.

    Reply Report comment

    • Jane Clack

      March 20, 2018 at 3:30 pm

      I can reassure you that you are not liable for your future husband’s debts. You are only liable for debts in joint names, those that are joint by law such as council tax and if you act as a guarantor. If he is living at the same address that will be on the credit file but only joint debts appear on both.

      He will appear on the electoral roll so that will appear on his credit file but it should not affect any application for credit that you make as long as you satisfy the lender’s criteria. You can also put a note on your credit file explaining the sole link is the fact he lives there.

      Reply Report comment

  • Chris

    April 7, 2018 at 5:59 pm

    Hi I have a debt of a car I bought on finance and I broke up with my wife and I left the house, the car and th finance is only on my name, and I don’t have anything with her, if debt collector goes to her house they can do something? They can collect her things ? What should I do o what she can do? Thanks

    Reply Report comment

    • Jane Clack

      April 18, 2018 at 3:50 pm

      Debt collectors cannot take anything from her and she just needs to inform them you no longer live there. If it goes to court and you have not let them know your new address as they can issue a claim form to your last known address and get a judgment at the amount they want if you do not respond, then if they pass the debt to enforcement officer (eg bailiffs) then they can come round and she would tell them the same thing. However, if they decide to escalate the debt to the High Court and send their enforcement officers they will want to see proof that she owns things. You need to let the car finance people know – as you should also have registered the car to a new address.

      Reply Report comment

  • TeeJay

    April 28, 2018 at 12:20 pm

    I have been living with my partner for nearly 15 years. He is self employed but work has been getting bad over the past couple of years and I know he has been borrowing money from credit cards to keep a float. Although everything is in my name (that’s how its always been due to me having a house to sell when first got e, and he didn’t) I am concerned that this situation is getting out of hand and he soon wont be able to pay back a loan and debt on a credit card. His pride wont allow him to seek help, and in view of that, I am now concerned what will happen to me if he fails to pay back his debt and keeps borrowing?

    Reply Report comment

    • Jane Clack

      April 30, 2018 at 6:33 am

      Eventually he will not be able to repay the credit cards and as long as they are in his name only and not a second borrower on yours this should not affect you – however, if he starts getting court judgments and not responding to these he could end up getting visits from enforcement agents. Do you own a house together or do you rent or you own one in your own name – has he used you as a guarantor for the loan? There are lots of variables you see. Borrowing when business is bad unless one is certain it is a temporary blip is always going to be risky.

      Reply Report comment

  • Daniel

    May 8, 2018 at 10:47 am

    My ex wife wants me to pay half of her credit card that is only in her name. I previously agreed as a guesture of good will as I was in a better financial position than she was. She has now returned to work and is being paid more than me. I now have a new family with 2 small young children. My financial position has changed that if I was to pay off her debt I wouldn’t be able to feed my children. She’s threatening to take me to court and issuing me with a ccj.

    Reply Report comment

    • Jane Clack

      May 8, 2018 at 11:32 am

      The credit card debt is in her name so they will pursue her. She can take a CCJ out against you but you would be given the opportunity to defend and explain that it is not your debt.

      Reply Report comment

  • Mary

    June 8, 2018 at 7:59 pm

    Hi. My husband left me last year. I still live at the same address, sill legally married but separated for 9months. Since he left I’ve changed all utilities on my name, a new rent agreement on my name, he’s out of the council (he is stated at a new address). Now the problem is since then he kept doing loans and credit cards and Parking tickets. Everything comes on my address, even though he doesn’t live here he did everything using my address (which is false information given to banks etc). Now the problem is since everybody is sending notifications at my address for him to pay, the last one was a court notification and I should expect bailiffs at my door for possessions because he hasn’t paid. What can I do in this situation? We don’t have a joint account, we’ve been financially disassociated, he doesn’t have anything in here. All furniture and everything is 3 years old and I don’t have any receipts for them so I can’t prove their mine. How can I deal
    With them and what can I do in this situation? As far as I know I can’t be liable for his debts because they come in his name but being married still Makes me scared, people will try to take my things. Could you please help me with an advice on this matter ?thank you very much

    Reply Report comment

    • Jane Clack

      July 4, 2018 at 5:49 pm

      I am sorry not to have replied earlier but the site has been having some glitches and I have found several notes today!

      You are not liable for his debts – you need to write to the creditors saying he no longer lives at this address and has not for several months and you have rental agreements etc to prove this. If enforcement officers do come to your door you just show them this information – the fact that you are married does not mean you are liable. If you know his new address I would suggest you let the court and any creditor know. The fact you have proof he does not live there is fantastic.

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  • Amanda

    June 12, 2018 at 12:33 pm

    I have a water bill debt (mainly due to a leak landlord wouldn’t fix) but it’s my previous address I lived as a single person. I now live with my partner and they want to pursue him to pay my debt. They can’t can they???

    Reply Report comment

    • Jane Clack

      July 4, 2018 at 5:54 pm

      No, they cannot unless he was on the rental agreement at the previous address. He is not liable for your debts.

      Reply Report comment

  • Nicola

    July 2, 2018 at 6:55 pm

    My ex partner has moved out-everything has always been in my name because he has never had a good credit history- he refuses to update his bank details and driving licence to tefl by his new address and has been using my address details from these to gain credit. I have spoken to his bank and as far as they are concerned he has validated his address for the credit despite me telling them he doesn’t live at my address. What can I do to raise awar ness of what he’s doing a protect myself from any association?

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    • Jane Clack

      July 4, 2018 at 6:08 pm

      You need to put a notice of disassociation on ALL your credit files as this is what they are checking to validate he lives there. Hopefully now all the bills are in your name – if anything is still in joint names it will show an association on the credit file which is what creditors check. Why does the bank still think he lives with you? – supply them with his new address. I take it he is not on the electoral roll any longer as you can update that and that goes on credit files too. I believe you can update online now too!

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