His debt, not mine
Question
I think my soon-to-be ex-husband has been acquiring credit cards and using them at my address since he left two months ago. What would happen to him if I informed the police? Would there be any consequences for me?
Answer
The fact that he's using your address should have no affect on you, providing none of the debts are in your name. He is the only one liable for debts in his name.
It may be worth contacting the main credit reference agencies to inform them of what you believe is happening. Doing this will create a "disassociation" between him and your address. The main agencies and their phone numbers are: Experian Limited (0870 241 6212); Equifax plc (0870 010 0583); and Callcredit plc (0870 060 1414).
Until you're sure that this is what he's done it would be wise to avoid the police. Once you are certain this is the case then you could contact them as he may have committed two offences - one of fraud and the other of harassment.
By receiving these bills, and potentially letters from creditors, he's caused you distress, which is a criminal offence. Both offences carry potential prison sentences.
For you the consequences are largely inconvenience but you will have no liability for his debts nor can bailiffs take your goods to pay for his liabilities.
If you'd like more information, help or advice you can contact your local Citizens Advice Bureau (CAB).
Updated: 16/06/2006
Question answered by CAB
