Thing is, do you have ANY paperwork relating to these supposed debts??

The creditors (including any collection agencies) who are chasing you must have the CORRECT paperwork in order to pursue these debts and the paperwork should name you (with your signature) as being liable for them. If they cannot produce these to you (or the CAB) they can walk away.

Sorry, head not on straight this morning

I still don't think he can do so unilaterally.

I think it is worth enquiring after the agreement to confirm that it is now in single name.

At the end of the day you cannot be expected to pay more than you can afford and loans etc are not priority debts. Your life, your home and your kids come first, whether they like it or not.

I would take a trip to the CAB for some more detailed advice. If you have people harassing you at your doorstep then get trading standards involved. This is what they are for.Until then, and if you get any more callers, practice the line "I will not talk to you, go away", then slam the door. Ignore the threats and "if you don'ts". If they don't go, call the police. There are very good laws to protect you from this sort of harassment.

There are a number of goverment funded debt advice lines that give free advice. Conmankiller usually has the details to hand so if you're watching, can you post them up. If not, I will dig them out.

The important thing right now is not to sit at home in fear of the next knock at the door. There may be legal avenues but these are more stressful and, I suspect, not what you want.

Most important is to go forward with your eyes open as there are pseudo legitimate companies out there that prey on people such as yourself. Make sure you understand what is being put in front of you and, if not, walk away and think through any proposal.

Hope this is more helpful (and accurate!) than my last post.

S

Stubie-One:

Are you sure he took your name off?

He cannot do this without your consent.

Before the "removal of your name", were the debts jointly & severally liable? If so then either of you would be liable for the whole debt. What sort of debts are they? Loans Credit cards? mortgage?

Sorry to pry but there are options but I need more info to go on.

S

From the way I read it Stubie he took his name off leaving pinkie to pay the debts (as to why is a whole other ball game).!!!

Are you sure he took your name off?

He cannot do this without your consent.

Before the "removal of your name", were the debts jointly & severally liable? If so then either of you would be liable for the whole debt. What sort of debts are they? Loans Credit cards? mortgage?

Sorry to pry but there are options but I need more info to go on.

S

you say it was passed onto you by your ex ? are the debts in your name / both of your names or his name. If the debt is in your name unfortunatley it is you that is responsible for it . debts in two peoples names makes you responsible for half which you should pay and pass over your ex's details for him to pay the other half. BE FIRM. companies dont like you doing this so explain you are prepared to pay half but not the full amount. If the debt is in his name it is not your responsibility and you should pass on contact details of your ex and forward letters appropriatley. you say the debt was passed on? how was this done ??

it may be worth speaking to a legal advisor if the debt is not soley in your name and seeing where you stand in being legally obliged to pay. I house shared with two other girls about a year ago and severn trent forwarded the whole bill to me which i refused to pay in full. I said that 3 names on the account meant i was obliged to pay a 1/3 of the bill - which i did - and then forwarded addresses for the other two so they could demand the other 2/3 .

Consolidation loans can help to pay off debts and give you one low monthly sum. Considating debt is a big issue at the moment and its worth seeing if some of your unpayable debt can be written off. I would definatly consider what debt is in your name only and those that are not should be halfed or forwared in whole to your ex - i would definatly seek legal aid if you dont feel you are responsible for the full amount