Hi, i have a joint credit card and mortgage debt with the ex.
I pay the mortgage, she pays the credit card,
we have not been able to agree on a settlement even though i offered her half of what the house is worth, she wants more.
Ex sent me an email a while back saying she is not paying the credit card to force me to agree to her settlement.
I can see the credit card in my online accounts list not getting paid.
I was expecting to start receiving messages and phone calls from the bank at some point, but strangely all was silent.
The bank definitely has my number since they called me when my other joint account was overdrawn.
One thing happened, is that before the credit card went overdue, i had lost my card and cancelled it. the bank asked me if i wanted a replacement and i said no.
So the bank has my number, they have my email, they have my message inbox with internet banking - i received not one single piece of information of any problem with the credit card.
Ok so i think well that's fine, i wont worry about it until they do contact me about it.
Recently i noticed the credit card account disappeared from my accounts list? I sent an email to my ex asking did she pay it? No reply as usual.
Next thing that happens is i get a phone call from the debt collectors demanding immediate payment and my credit rating is now locked so i cannot get any credit and I'm like, well actually i have not received any notification of anything and their like well not our problem blah blah.
Anyway, i don't see it being legal to suddenly drop a debt demand on my head with no notification of anything prior to that point?
I pay the mortgage, she pays the credit card,
we have not been able to agree on a settlement even though i offered her half of what the house is worth, she wants more.
Ex sent me an email a while back saying she is not paying the credit card to force me to agree to her settlement.
I can see the credit card in my online accounts list not getting paid.
I was expecting to start receiving messages and phone calls from the bank at some point, but strangely all was silent.
The bank definitely has my number since they called me when my other joint account was overdrawn.
One thing happened, is that before the credit card went overdue, i had lost my card and cancelled it. the bank asked me if i wanted a replacement and i said no.
So the bank has my number, they have my email, they have my message inbox with internet banking - i received not one single piece of information of any problem with the credit card.
Ok so i think well that's fine, i wont worry about it until they do contact me about it.
Recently i noticed the credit card account disappeared from my accounts list? I sent an email to my ex asking did she pay it? No reply as usual.
Next thing that happens is i get a phone call from the debt collectors demanding immediate payment and my credit rating is now locked so i cannot get any credit and I'm like, well actually i have not received any notification of anything and their like well not our problem blah blah.
Anyway, i don't see it being legal to suddenly drop a debt demand on my head with no notification of anything prior to that point?