 Credit Cards? |
| Hi I have a questions here i lived in Singapore and i have credit problems hence all my credit cards applications was rejected. is there anyway that i can apply a credit card? as i need a card for my ... |
|
| Will my check bounch ???? |
| If I was to write a check Sunday would it get to the bank before Tuesday the 3rd ???? can some one please tell ... |
|
 How can I get rich?? |
| Im a 25 yr. old girl that is a bartender.....I make ok money but I need something else.... Im struggling I just bought my own house a yr. ago and its 1200 a month. Am I crazy?? I don't want a ... |
|
 If I am 18 will I be able to get an auto loan for $6,000? |
| It's been about five months since I've had a job and I just now got my summer job so I will have a paystub in two weeks. I totaled my car and need a new one. My family can afford a car we ... |
|
 UK: Are banks into lending peeps money at the mo? |
I've got a "Customer service review" appointment on Saterday I don't want credit but a loan!!:-)
Additional Details
No beer for me till after then!... |
|
 I'm getting a new ATM debt card in the mail,it was sent out last Friday 7-20,i need to give my gym the card# |
| I need to give the gym my new card number so that I can pay my dues.I called to leave a message for the buisness manager at the gym.The person who took the message,could transfer me to the person�... |
|
 My roommate lost a check I wrote him? |
| I wrote my check for $85 that i owed him...anyway he lost it somewhere and wants me to write him another one...i have no problem with this I trust him completely so i dont care about that...what I am ... |
|
 Need to find way to make money.? |
Hey.
I'm a 15 year old kid who is trying to save up for a car kit. The car kit cost's $25,000 total, and I've been trying to figure out how to make that much money in 1 and ... |
|
 Why is the cost of living so damn expensive? |
| my mom told me that back in the day she was able to afford a two bedroom apartment and pay all of her bills making $86 a week. Here i am making $300 a week and i cant even afford to live in a studio ... |
|
 Where's the best place for my money right now? |
| I have a small amount of savings that I want to keep safe whilst still having ready access to and I'm not sure where to put it...in a bank, building society or suitcase under my bed? Those banks ... |
|
 MONEY MISSING from bank account!!!? |
| i have a chase bank account and $300 went missing i found out last night and the bank was closed i have to wait till monday but im freaking out. the only think i did was buy something from a website ... |
|
 Paying by cheque.? |
| Why do some people when buying their shopping pay by cheque? They still have to produce their debit card to use as a guarantee so what is the advantage? It can't just be to hold up the queue.... |
|
|  |
samantha b | Joint bank account, ex run up debt now looking for me to pay arranged to have my name taken off account? |
|
 |
 
sarah c
 |
You should have closed the account when you split, you'll have trouble proving you're not liable unless he agrees to you having your name removed.
Try the Citizens Advice Bureau.
If you can prove they're his debts, try taking him to the Small Claims Court. It doesn't cost much and you don't need a solicitor.
ps like the way everyone assumes its a she that ran up the debts... |
|
Munster
 |
Divorce 101. Lesson 1. Always close accounts or have your name removed if possible.
If you have a legal separation order or divorce, he or she will be liable for any debt he or she accumulates after that time.
Talk to all your creditors and advise them of your current situation. They are normally quite helpful in these matters. |
|
a_facchini
|
SAME thing happened to me. If you are the MAIN account holder and not the ADDITIONAL holder, then you are screwed my friend..... I had to pay EVERYTHING as I was the main account holder, will never have a joint account again... |
|
jason29445
|
if it is a deposit account, you both are liable for the overdraft balance. the bank may do a right to offset first of course if you have any other accounts with the same financial institution to recoup losses.
you should have closed the account while you were both together. you still could in fact, if you bank allows you to close an account in a negative balance. to have your name removed, both parties would have to sign documentation (in person) to have a name removed.
otherwise, if you can't... then take her to court, prove that she made the purchases (statements would show which debit card was used), and sue her for the damages. |
|
spidoing n
|
poor sod |
|
Adze
|
Usually have to put in news paper about not being responsible for her debts |
|
kevin d
 |
You could try Experian and ask them to send you copy of all your creditors, get in touch with your joint creditors and explain the situation. Otherwise, get on to the citizens advice bureau and i'm sure they will help you, they deal with this everyday and have no vested interest and so are more likely to give you a totally honest answer. Good luck Samantha, i really feel for you, above all don't panic mate |
|
x
|
No consolation to you, but why have a joint account in the first place?
I know its convenient, but the only advantage is when one of you dies and the other has immediate access to cash, if there is any in! |
|
Heart-of-Hearts
|
If ex is runing it up i would pay any amount to get my name off of it. sounds like it will cost alot more to leave it on there and i would never let a ex have there nameon my checking acount even if we split in good turms because of this verry reason |
|
Debt Line
|
You are liable for the debt. The Bank probably will not care whether you are still together or not. Morally you might not owe the money but legally you do. (unless your ex had to lie or forge your signature to get the money)
Check your credit file to see if there are any other joint accounts that are open or other links between your finances. Check also to see whether your credit file looks good or not at the moment.
Info on how to do this with the various agencies is here:
http://www.flmloans.co.uk/credit-file.php
Speak to the Bank asap and be honest with them. If they are not willing to forget all about you being a joint party on the account (which they probably won't) you have to make a decision. Is having a good credit rating worth more than the amount that it would cost you to pay off the debt.
If your credit rating is worth more than the debt then pay it as soon as possible, close the account and put it down to experience. If your credit rating is not that great or not that important to you then fight it out with your ex, mabey even try taking her to court about it, but remeber whilst you are doing this the fact that you owe money that is not being paid off is being recorded on your credit file where it will stay for 6 years.
Good luck |
|
optionnumber8
|
good luck on that sever all ties with ex and run, be glad your not in to the point of bankruptcy |
|
xXx Orange Breezer xXx
|
I have worked for a bank in this department, the bank will see you as both liable for the debt.................
They will not care who pays the debt as long as someone does................
The only person that can sort it out is a solicitor but it will cost alot of money and time ..............get the bank to freeze the account along with the interest until it is resolved.....................
You should be able to proove it is the other party if it is cheques etc but a court is the only body that will have the right to rule on it so the bank allocates the debt |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 12 minutes(s) ago
| | | |
12 | 49 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
12 | 6 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
12 | 9 hour(s) ago
| | | |
12 | 2 day(s) ago
| | | |
11 | 6 day(s) ago
| | | |
12 | 2 week(s) ago
| | | |
12 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
