Our daughter has recently split up with her partner (not married) and the father of their two year old. She gave up work to look after the baby and he works in the City and is on a salary that most of us can only dream of. However, his lifestyle means that he spends far in excess of what he earns.
Part of his job involves entertaining clients for which he uses his credit card then claims the money back from his employer. Unfortunately he would just spend the money and never pay of the card resulting in them having to remortgage to pay off his spriralling debts which had reached over 40k.
In an attempt to control his spending and make it more transparent our daughter took out a credit card with the Abbey and gave her partner a card as an additional cardholder. The plan was that she would get the statements then make him pay back his company expenses as they arose.
He recently booked a 'make or break' holiday for them using the card without her knowledge. He then talked her into allowing him to use the card to pay the deposit on a brand new car for which he financed the balance on Mercedes Benz Finance. He then went on to make a couple of cash withdrawls using the card without her knowledge. All in all this guy has racked up just over 6k of debt on the card in a short space of time.
Our daughter had to flee the home due to domestic violence and is now in a safe house. She has no income and we have had to support her whilst the CSA are processing her case.
He is living in their home of two and a half years for which she paid 15k of her savings as a deposit and the first six months of mortgage. Because of the remortgage to pay off his debts and the recent drop in home values there is no equity in the home or possibly negative equity. He is also driving around in car that she has 'paid' the 3,500 deposit for.
It would appear that he is unwilling to pay any off the credit card debt off which has left our daughter in a dreadful position. She has spoken to Abbey who as you would expect have said that she is laible as the main card and account holder.
She has no means to pay and is not entitled to legal aid. We cannot afford to pay for a solicitor. But we cannot ignore the debt as interest will escalate if payments are not made.
Our other concern is that because she is in a safe house she has given our address as a correspondence address and this may lead to us getting blacklisted or visited by bailiffs.
If anyone has any advice or suggestions it would be greatly appreciated.
Part of his job involves entertaining clients for which he uses his credit card then claims the money back from his employer. Unfortunately he would just spend the money and never pay of the card resulting in them having to remortgage to pay off his spriralling debts which had reached over 40k.
In an attempt to control his spending and make it more transparent our daughter took out a credit card with the Abbey and gave her partner a card as an additional cardholder. The plan was that she would get the statements then make him pay back his company expenses as they arose.
He recently booked a 'make or break' holiday for them using the card without her knowledge. He then talked her into allowing him to use the card to pay the deposit on a brand new car for which he financed the balance on Mercedes Benz Finance. He then went on to make a couple of cash withdrawls using the card without her knowledge. All in all this guy has racked up just over 6k of debt on the card in a short space of time.
Our daughter had to flee the home due to domestic violence and is now in a safe house. She has no income and we have had to support her whilst the CSA are processing her case.
He is living in their home of two and a half years for which she paid 15k of her savings as a deposit and the first six months of mortgage. Because of the remortgage to pay off his debts and the recent drop in home values there is no equity in the home or possibly negative equity. He is also driving around in car that she has 'paid' the 3,500 deposit for.
It would appear that he is unwilling to pay any off the credit card debt off which has left our daughter in a dreadful position. She has spoken to Abbey who as you would expect have said that she is laible as the main card and account holder.
She has no means to pay and is not entitled to legal aid. We cannot afford to pay for a solicitor. But we cannot ignore the debt as interest will escalate if payments are not made.
Our other concern is that because she is in a safe house she has given our address as a correspondence address and this may lead to us getting blacklisted or visited by bailiffs.
If anyone has any advice or suggestions it would be greatly appreciated.
