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 Something is on my creditcard bill I didnt buy!!!!!!!!!!!! |
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maria | Need actual advise about money problems.. his account under my name, won't pay. ? |
((((This sounds very stupid, I know I shouldn't have done it. Please refrain from telling me how stupid I am. I am only asking for help and nothing more.. or some advise. ))))
I have an ex-boyfriend (that i broke up with) and when we were together, I helped him out financially. He wanted to buy something and I let him get it under my name. (Its a big thing), and now, he is having money problems. These businesses keep calling me and asking about the payments. I told them that he was supposed to pay it and he tried, but now its 44 days past due.
I keep calling him, and try to contact him and he either tells me he called or sent the money, etc. And they keep saying it wasn't paid.
So what I am asking for is what I can do. I want the account under his name, which I keep telling him to do it, and doesn't. I don't want to pay it for him, and I won't... Is there a way to resolve this, without the need for lawyers and whatnot?
Additional Details
He bought a Harley motorcycle |
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Sgt Big Red
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If the loan is in your name and the bike is titled in your name, then have it repossessed from him. Put it up for sale and pay it off.
There is no way to have the loan placed in his name. The creditor would not go for that, since you had to get it in your name, you know his credit is no good.
Depending upon the amount, and if you had him sign a promissory note, you could then take him to small claims court to collect the money as he breached the contract by not making payments. Some courts have a jurisdictional limit on the amount you can sue for. Contact your local courts to find out the limit.
Hope this answers your question
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Heather V
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Legally it is your motorcycle, go get it |
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Sammmi
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im sorry hear that. im kinda going thou the same kinda thing but im just hoping he will pay me back without any problems. but this about me so ill shut up now.
u can go to small clams crout. u dont need lawers u just give ur side of u story to a person how listerens to both ur storys and he tells his then that person thinks about what u both said and put both storys into blance. this serivice is for free.
or u can go down to the police staion and ask them if u can talk to someone about this then they will get u a police officer then they will get ur side of the story on record and video. then they will get his side of story and do the same thing. this way is better then u wont be able to see him if ur angry with him. then they will discuss with a co workers then they will get back to u and him and tell u what there going to do. this is for free as well
well i got these options about my money he ows me back my ex. so i hope i helped.
and good luck with it all and hopefullly u will get ur money back. |
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DollyLama
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If his name is not under the account now, at the beginning, there is no obligation for him to pay. The collector's can only call you and collect from you, and seems it is already affecting your credit. Useless to even mention to the creditors that your ex is going to pay the bill.
Just pay the bill and hopefully he will eventually reimburse you back for the charges. |
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Michelle S
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I don't really think there is anything you can do at this point. You've obviously learned your lesson and won't make the same mistake twice. I had a similar situation many years ago. I paid about $600 to get my boyfriend set up in an apartment (deposit, 1st month rent, etc). Within a couple of months, he broke it off and refused to pay me back. It's a hard lesson, but you're not alone.
Best of luck to you. |
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Jing
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I don't have an optimum or easy solution for you either, but (1) are these"big things" items you can retrieve and resell, and if so, (2) you can use the proceeds to help you repay the debt. It may not cover fully what is owed but seeing as how it's your credit history on the line and that these people will keep badgering you ... . I would also *write* to the creditors and tell them you will begin making good faith installment payments on the debt so they will stop the calls and perhaps, halt the negative reporting onto your record. Good luck. |
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src50
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You can't tell the creditors that "he is supposed to pay" because they are in fact YOUR accounts, not his. Unfortunately, the only way to resolve this without ruining your credit is to pay them. |
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Frost Bitten
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Sadly you are stuck with that because there is nothing legally binding him to the payment. If he were an honest person he would get it refinanced in his name or start making timely payments |
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Tom
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You're screwed.
He can't get the loan in his name because he won't be approved. That's the reason you got it in your name in the first place (which is known as a straw purchase).
The motorcycle will eventually be repossessed and it will be on your credit history.
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infinite crisis 247
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without knowing what it is that was bought, it's somewhat hard. was it a car? unfortunately, as far as the creditors are concerned, he doesn't exist. the fact that he was supposed to pay is your problem, not theirs...because the account is fully under your name. i would talk to a lawyer and see if you have any other options. i think that it's going to be hard though without some sort of written agreement stating who's obligations are what. you should definately consider small claims court. this would be your best shot of recouping either the bike or your money. the damage is already done for the late payments. you must keep it from getting worse. don't believe it when your ex tells you that he will pay. for now, you will just have to keep paying on the account. it doesn't sound like your ex has plans to. |
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