TL;DR story - 4 years ago my ex spent thousands on my credit card I was unaware of and I didn’t report to police. Now it’s too late and my credit file is appalling.
So about 5 years ago, I met a woman who I got involved with and she moved into my flat/apartment. I was unaware she didn’t work; she’d leave the house after me and came home before me so I didn’t have any suspicion. Couple of months after she moved in, I got a bill from my CC company and she had been buying stuff on my card at stores and selling them to Cash Converters and giving me the money as her share of the rent. I should have reported her to the police but I didn’t (first mistake) as I thought we could get out of the situation. Since I didn’t get the police involved, I then missed minimum payments etc as I had to prioritise rent, car payments and fuel to get to work etc.
Fast forward to now, my credit file is shocking and I’ve been denied finance for a car and feel a complete failure as I need a bigger car for my family. Can I do anything to resolve the situation or do I wait until the defaults fall off my report. I have a payment plan for most of the debts outstanding and have been paying off wheee I can and making “full and final settlements” where possible too. Any advice gladly appreciated.
Submitted January 15, 2019 at 08:55AM by shkermaker http://bit.ly/2QPKcy4
