Both me and DH have been paying off old debts for most of our relationship. He knows exactly what I owe, and says it is only his student loan and one small credit card left.
He received a letter a couple of months back from a debt collection agency, however he insisted that he had never had a bank account with that bank, and they must have the wrong person. He rang them and told them this and they seem to have dropped it (we do actually know someone in the same area with the same name...) I do believe that they can make mistakes as we have also had letters addressed to DH for money that his dad owes.
Today, another one has appeared (different debt though). Alongside it was a refusal for an increased overdraft for his account, which makes me very suspicious...
He seems to be applying for his overdraft to be increased as often as he can, and is refused every time. He also applied for a store card before xmas and was refused. His credit rating must be shot to pieces, and we were aiming to buy our house as soon as we could afford it, looks like that plan is ruined. :(
He has been telling me over the last week that he wants to do as much overtime as possible so we can clear our debts. I now wonder if he knew about this new one...
Its almost as if its a compulsive behaviour to get as much credit as possible for no reason. And I'm not sure whether he genuinely doesnt know that he still owes money, or whether he is trying to hide it. He is in work at the mo, so I cant speak to him, but I have texted him to let him know that both letters have arrived and to ask for his bank details (as I am on mat leave, he pays all of the bills. I want to check that they are being paid!)
I am a regular but I have posted before under this name re his drinking, which has drastically improved.