bank accounts

[starbar69]

my partner took out a bank account and had a loan and credit card with first direct at a later date i went onto the account as joint holder he didnt pay what was owing and went into arrears they close the bank account down they conntacted my partner and did an attatchment of earnings but they said he couldnt afford to pay anything that was in 2001 i have now had a court order to pay the outstanding amount even though my patner has heard nothing please help whats the best thing to do

[johnny37]

If any account is in joint names you are jointly liable, The creditor can chase anyone they like whose name is on the account (or loan) for the whole amount. They failed with your partner so they are now going after you. The point is can you afford it? If not try to come to some arrangement with them. Offer them a small payment per month and they will ask to look at your finances to see if it is fair. If you are on benefits or a very small income the courts willl often award a very small regular payment, somwetimes none as with your partner. The latest claim seems to be within the six year window for civil debts. ps there are many free debt counselling services. Try Debt National Advice Helpline 088-0854554

[johnny37]

Sorry that phone number is 0800-0854554