Credit Card question?
 

Hypothetical question.

Say you live with your girlfriend/boyfriend, but you aren't married, and you each have your own seperate (independant) bank accounts and credit cards at the same address.

If your other half gets into difficulties with their card(s), is they any way you can be held liable for their debt?

Cheers,

Iwan

Renting or Owner occupiers?

Ignore that, it will be unsecured. Debt would be personal only and would not affect partner.

no.

Even if you are married you can't be responsible for the debt in the circumstances you describe.

Cool - cheers. :luxhello:

Credit ratings do consider the address, so it will impact your rating.

D

I know it does not relate directly if at all as Iwan is in Swindon but any readers in Scotland should know different rules apply here, you can be held jointly and severally liable for each other in certain circumstances as "common law partners", boring to everyone else but might help some Celts avoid a sticky situation:)

No, you can't. Unless the debt is joint and several (ie a joint account or credit card) you cannot be liable for your partner's debt in Scotland. Married or otherwise.

Are you sure of this spider as a friend of mine is still clearing debt run up from an ex. never married, Debt not in the joint account, did co-habitate for 6yrs plus then split. he took advice on this and was advised that he would have to pay, dont know all the details as its a sore point with him but he is not stupid and would not pay unless he had to? I could be wrong but the chats we had at the time went along the lines "that b*tch if we did not live in Scotland she would be on her own" so I took this to be correct. Would appreciate confirmation as this might help my friend out of a long and expensive settlement. cheers.