Hi
Thanks for your help so far with my first post I now have another enquiry, I do have one more as well but I’ll keep them separate to make it easier to manage.
Back in 2004 my boyfriend at the time took out a personal loan for a car. As he had not been in employment long enough for the bank to approve the loan I was asked to sign as a guarantor.
We have since split, he subsequently defaulted on the loan and I was contacted a couple of years ago by a company called Westcott threatening me with court action if I did not make repayments on this as my name was against the loan. I told Westcott that I knew where he lived and that they should pursue him at that address, they advised this was no longer an option as they had managed to make contact with me. Yes they scared me – my credit history is terrible because of stupid decisions I’ve made in the past such as this and not being completely aware of the content of my agreements, I have been trying to get my life on track financially and so to avoid anymore blemishes on my record I am now making repayments on this debt (the debt is now £5,000 more than he initially borrowed as well)
I recently asked Westcott about obtaining a copy of the original agreement as this is something I have not seen since signing and was given the number for the solicitors who handled the debt before Westcott. When I spoke with a very sympathetic lady I was promised this would be sent out to me within 10 days and 20 days later I still have nothing.
I really don’t want to be paying a debt for an ex boyfriend for the rest of my life and would love some guidance as to what I should do next.
Again thanks for any help you can give me on this subject.