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AIBU?

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Can he do this?

27 replies

Snoozysue21 · 16/03/2024 14:40

Hi all I'm looking to see if anyone can help with this situation hopefully someone legally trained or someone who has been through similar
Soon to be EXH moved out a year ago
Under our financial agreement he doesn't give me maintenance for our children but pays the mortgage.
Today I've opened a letter mistakenly that has been sent here addressed to him. He never gets mail here so didn't even check the name and just opened it.
It contained an approval for a credit card that he has leveraged against the house. It appears to be one that builds credit score with a really high APR. The house is jointly owned and he hasn't consulted me , does he have to or not due to the fact we are divorcing?
My other worry is that if he defaults on payments would that make me liable or if bailiffs came to the house could they take my things ? He's terrible with money so I'm pretty concerned.
Can anyone shed any light ?
TIA

OP posts:
Snoozysue21 · 16/03/2024 14:51

Its an offshoot of Capital One for people with not great credit ratings and he's been approved based on the fact he's a property owner

OP posts:
MassageForLife · 16/03/2024 14:46

What credit card is it? I've never heard of one that's secured on a house before. Mortgages and some loans, yes.

Any debt on the credit card will be his responsibility. If he defaults, baliffs shouldn't be able to take anything of yours.

I would be tempted to reseal the letter, write on it - return to sender, not at this address, and post it back.

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