alatoruk
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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. |
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Chadders
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The ultimate responsibility for the debt is yours. |
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MOM KNOWS EVERYTHING
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You bet it's your problem. You gave her the authority to use the card, but the responsibility to pay the account is all yours. |
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Barberry
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How old is she? If it's your credit card, you are responsible for the payments. How you get the money is your problem. Lesson learned. |
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Lou
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it is your card, so therefore your responsibility, you gave her the card freely, and you were probably getting the statements so should have seen she was getting in over her head and taken the card off her. |
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lynn18050
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its in your name
Its your mistake giving it
its your problem
and it looks like you, will foot the bill
Im sorry your own daughter has done this to you. |
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Chiclad
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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. |
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Ellen J
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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. |
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Tab
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Theres nothing you can do about it since its your card and you let her use it. Get the card back and cut it up so you don't have to worry about it being used anymore. Then see if she can help pay. |
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BobC
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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 |
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Bexs
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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. |
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SunnyDays
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That was rather silly, she should not have been given the card to begin with. I know this is not help, but she's dropped you right in the doo doo as you will have to find the dosh somehow, tell her to get aout and get a second job if need be, you have to be tough with her, and don't forget to get the card off her and don't let her have it back either, its yours! |
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hirebookkeeper
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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. |
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Daniel is due 27/3/09
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you should never ever lend your card to some one else unless they are named as a second card holder there is nothing you can do and the credit card company will tell you the same they will say you should never of given her the card and it will be very hard to prove it was her that used it . |
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kja63
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If it's your credit card, you are responsible for paying the bill. Tough lesson to learn Mom. Close the account and pay it off as soon as you can. |
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SPIFIMAN1
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The card is in your name so it's your debt. Hope you learned a lesson.
Now, did your Daughter sign your name or hers? If she signed yours, technically she committed fraud even if you gave her the card. If she signed hers, you might contest the charges with the credit card company and claim that you did not know that your Daughter had it. |
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richard the monkey
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sorry the card was in your name. unless you want to report your daughter for fraud that is. |
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mike m
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i am familiar with this situation. you can take her to court yourself to get compinsated but the rules are your card your bill. hind site being 20/20 dont do it again. you are responsible in the eyes of the credit card company for all charges under your name good luck. also dont let her mistake prevent you from helping your other kids they wont screw yah |
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Jacsea
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you winding me up? Who on earth gives their child their credit card? She must have alot of respect for you mustn`t she. Cancel the card and teach that girl a lesson. |
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littleredhen
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Is she an adult? Then yes, find a legal way to make her pay it. Is she a dependent? Then take it away, and don't give her anything else until she pays you back. |
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heybulldog
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If you are the owner of the card its you debt and you are responsible. Even if she is an authorized user you are still responsible. |
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Harry P
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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. |
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buggerhead
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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!! |
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Your Best Fiend
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It is your card. So, it is your problem, especially since you freely gave it to her. |
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Ammo
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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 |
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Tony T
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I`m sorry but your a fool for giving it to your daughter!
If there`s one thing women are good at it`s spending money! |
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FM is going away.
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So who's fault is that ? I wouldn't dream of giving my son my card. You've only yourself to blame.! |
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Ding Dong
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Its in your name so its down to you really. How old is your daughter.
if she is at work there is no reason for her not to pay but if she is young and gets pocket money you know what to do keep the pocket money. |
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JT
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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. |
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PHOEBE
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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 |
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