To ask STBEXH to pay their Finance agreement from now on

[cls77]

Ex only ever got one thing in their name finance wise, I asked when he left to contact them and ask if I could have it in my name or be on the agreement to be able to discuss anything with them as I was paying for the item. He never did contact them and I've now missed a payment on purpose to flag up a letter. Have given letter to ex who was very aggressive and abusive, he now says I have to pay the remainder as he will never use the item. I'm happy to pay it all, but if he can't change things am I being unreasonable to expect him to pay his half? This is the same person who wouldn't sign a life insurance policy that I'd been paying for him over to our DD, so it had to be cancelled, as he didn't want DD to benefit but his mother!

Tell him to sign it over or you're going to keep putting those black marks on his credit score.

He may shift his arse with a clear choice.

'I'm not going to pay it until you sign it over. Simples'.

You have no legal liability for this debt at all, irrespective of whether you are in possession of the goods or not.

Just stop paying it. He can ask you to hand over the goods in question, but you have no liability at all for the payments.

Even if it gets to the stage where the bailiffs come knocking on your door, they will not be permitted to take any goods that don't belong specifically to your ex to pay the debt.

It's not quite as simple as 'signing it over' (I'm assuming it is some form of HP agreement?)

OP will need to take out a new credit agreement in her own name, and the original one to be repaid in full.

This will require OP to be creditworthy in her own right (working, good repayment history etc...)

See here for more info

If it is something only you have the use of, just pay it. It's not had surely. You are trying to cause a row where there doesn't need to be one.

There will be plenty of real arguments to be had in the future, so many that you will grow weary of them.

I'm a bit confused. You are happy to pay it all and want the item? What's the problem? Is there a concern your ex may later want the item or something?

As a PP said, it's more complicated than him simply 'signing it over' to you.

Ring the finance company and ask for general advice.

Your STBXH can give his permission to the finance company to allow them to discuss the account with you if that is the only issue you have with the current arrangement.

They will usually give you a 'password' which you will need to provide to enable them to discuss the account with you.

I can understand your frustration at not being able to discuss something that you are paying for.

From your STBXH's perspective though, your having already missed a payment will prevent him from taking out a mainstream mortgage for at least the next 3 years - if you miss any more payments, it will probably be even longer.

He is putting himself in a very vulnerable position, putting his creditworthiness in your hands like this. Doesn't he think it better for him to take control back for himself - hint hint, nudge, nudge

Thanks for the info, I know that it's not as simple as signing it over, my credit is good, I work full time, he's unemployed at present. I've paid for everything the past 15yrs and don't see why I should help his crap credit by paying it in his name. It might sound petty, but after all the treatment I've had from him, I thought, why not.