I know I'm soft...but please tell me I'm not out of order,,,

[MrsSnape]

My ex moved out 3 years ago, it was an amicable split. He now lives with someone else and has the kids every fortnight.

Anyway, when he went he changed his address with most of the credit companies he was with but refused to change his address with one of his credit cards. He carried on paying it however so I wasn't too bothered.

Anyway he missed his last payment and they tried to phone him here...I told him that he should phone them and he refused saying he'd just pay them and then they'd stop ringing but they've phoned that much over the past few days that its obvious they know something is not quite right. They're phoning around 4 times a day asking for him.

I told him he had to get in touch with them and he ignored me so when they last phoned (5 minutes ago) I gave them his mobile number.

I think he'll be pissed off but surely its not too much to ask that he gets in touch with them since they keep ringing me?

ask them to take your number off their database and only keep him mobile on there

it is his debt and his problem - why should you have to field calls from them?

I'd have done the same TBH. Amicable split or not, if he has moved out, then he should have moved everything out.

He has had plenty of chance to ring them himself from the sound's of it.

Just be warned though, they will probably still keep phoning you until he has sorted it out properly.

Definitely right to pass on his new details to them - if he doesn't pay and (worse case scenario) ends up with a County Court Judgement against him, it will go down as your address and so your credit rating could be affected by this.

He probably didn't tell them onpurpose, ie can't pay the bill.

Make sure you tell them he moved out 3 years ago and you give them his new details.

You want to make sure you are not liable for the debt just in case.

Gosh, he moved out three years oge! I'd have definately told the company when they called. I'd also have sent any mail to him back the the sender with 'no longer at this address', but then, mine was not an amicable split.

He can't be pissed off, you shouldn't have to deal with these kinds of phone calls to him.

Ring the company and tell them you have no association with him - give him all the details you know to contact him and leave it at that.

His debt, his fault - NOT your responsibility

The question I would ask is why is he keeping that particular credit card registered against your address? If he was happy to put all others on his new address I would be wondering what he is hiding from his current partner if he has one!

It is not your responsibility to field his calls!

After 3 years then blimey, yes, you have done the right thing. I'd have given them an address too.

I would also write a letter of disassociation to both his credit card company and the credit reference agency people upon you obtaining an up to date copy of your own credit report. Even with this his credit card company may still continue to contact you.

You may be up against the Data Protection Act here as well - they may only take your address details off when he actually gives them his up to date details. Unfortunately "not being too bothered" at the time may now cost you much in terms of time and effort to disassociate your address from his name and incurred debt.

I don't think it costs to add a note of disassociation does it? I'm pretty sure that it was free when I did it a few yrs back with my ex.

Some more information for you:-

There are plenty of things that could be damaging your credit rating and it is surprising how often it is something you would not think of. In this case it is possible that your credit file has you linked, in some way, to another person who has a very poor credit history. Simply having an association with this person will reflect badly on your own credit rating.

The link between you and the other person could be anything from a business partnership, family connection or even your spouse. Unfortunately, if you are connected with this person there is very little you can do until their credit rating improves.

However, if you are no longer connected to that person, for example if you are no longer in business with them, or if you are divorced, you can ask for your file to be disassociated from theirs. To do this all you need to do is to write to a credit company such as Equifax or Experian and explain your previous connection to the person and the reason for this link being broken. They will then notify you, and other credit companies, of your disassociation and your credit rating should improve.

The addresses to write to are;
Credit File Advice Centre, Equifax, PO Box 1140, Bradford, BD1 5US or Consumer Help Service, Experian Ltd, PO Box 8000, Nottingham NG1 5GX.

These organisations also have helpful web sites at www.equifax.com and www.experian.co.uk. Basic credit reports cost £2 and there is no cost for filing a notice of disassociation or other information to correct errors on your file.