AIBU to ask for advice, DM debt in my name

[LouBlue1507]

Hi Ladies

I'm really annoyed at both myself and my DM. I know I was probably stupid and naive and it's my own fault...

4 years ago I stupidly agreed that my DM could apply for a catalogue as she couldn't afford Xmas for my DB and DS. My DF had very nearly died earlier that year with sepsis and was out of work, they had no money.
I felt so sorry for them all and just wanted to help. I was only 20 at the time and didn't think how it would affect me getting a mortgage in the future etc. She told me she had spent £700, I was fine with that, and that she was making the monthly payments. All good.
I've just checked my credit score online and the report has shown my DM has a balance of £1560 on the catalogue account! I'm shocked!
It's fairly obvious that she's been spending more than what we agreed. Credit limit has gone from £1000 to £5000 and that's worrying!

I'm angry at DM but mostly at myself! How do I broach this with DM? I know she won't see the problem as she's 'making the minimum payments and is never late' but it's affecting my credit score! Me and DP have recently had DD and want to buy a house hopefully next year!

Stupid, stupid, stupid!!!

Phone them and get the account put on hold - or at least get them to reduce the credit limit to what the balance is. Without being rude, she's probably planning on spending more with christmas coming up..and if she can only meet the minimum payments, those are going to get higher and higher the more she puts on it. I feel really sorry for you, what a horrid position to be in. But for her sake and yours, you need to put a stop to it.

This has the potential to spiral. Be honest with her now and tell her you need to pay of the debt as you intend to get a mortgage and the debt could effect that. She can set up a standing order to pay you back instead.

Also suggest everyone has a frugal Xmas