Money

[went90]

Hi sorry this will be a bit of a long one. Please don’t judge me on this though I can understand that people will. Me and my ex partner were together for 8 years and lived together for 2. In those 2 years we experienced a lot of money problems. I ended up very stupidly taking out some catalogues under his name. Which I completely know I shouldn’t have done and was out of order. My ex has now found out and is understandably very upset and annoyed. I’ve acknowledged that I done this and need to get them paid off. They come to a total of £2500 and will £950 will be being paid off next week which I have told him. He hasn’t went to the police as of yet and has said he doesn’t want to (which is more than generous of him) I’ve got a phone appointment with citizens advice on Tuesday to go through the best way to deal with it all. However I just want some advice on this before then if possible, if my ex did decide to go to the police I am very concerned about going to prison ( I know it’s what I deserve) just I care for my Mam and there is no one else to look after her. Also is it possible to get in contact with the companies and have the accounts stopped so they can be put into my name while I get all of this paid off and it’s not my exes anymore? Thank you in advance.

Is anyone in a position to lend you the rest of the money just to pay it off quickly in the hope that your ex won't take things further ? the problem is that even if you went to an organisation that helps with debts like stepchange they can't help you because the debt is not in your name.

Can you get a 0% credit card deal to pay off the catalogue debt? Then pay off the credit card as soon as possible before the 0% period ends.

Hello, obviously you have made an error and now you have to face up to it, so it's going to be a hard time.

You will have £1550 left to pay. How fast can you pay it back? The credit card option is a good one if you are in a position to do that.

Lots of abusive ex have done this to countless women with malice and they never got into trouble or went to prison over it. So I would stop worrying about that angle if I was you.

It does not sound like you did it with malice and you are paying it back.

Look into the 0% credit card option or the 3% loans that are still around and get it paid off whilst apologising. That's all you can do now.

Hey thank you for your reply as my credit rating isn’t great I can’t get a credit card, I can pay the £950 next week due to working a lot of overtime but it’s dying down now. I will obviously work the overtime when it’s available. The most I can I can pay a month without overtime is £400-£500. From looking online it seems the jd Williams group will transfer an account with an agreement to repay the debt. If this is the case 2 of the accounts would be paid off straight away next week and then the other 2 would be paid off in a few months. Don’t know if anyone knows anything about this? Thank you again for your advice

The accounts being transferred would mean me admitting the fraud I think which I would obviously do

You’ve messed up but paying it off in the next few months is reasonable and that’s the best you can possibly do.
I doubt you’d be send to prison but best to avoid any criminal record as you might need a clean DBS check for work.