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Vineet S
Vineet S,
Category: Law
Satisfied Customers: 2856
Experience:  Freelance Solicitor at Self Employed
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Me and my ex husband spilt last year we had debts all in his

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Hi me and my ex husband spilt last year we had debts all in his name none in mine how ever now he has a new girlfriend he is saying he is going to get me done for fraud however the payday loans all went in to his bank account which was in his names he has paid all the debts off I’m just wanting to know where I stand
JA: Where are you? It matters because laws vary by location.
Customer: Carlisle Cumbria england
JA: What steps have you taken so far?
Customer: None at the moment as he just phoned saying he is going to get me done for fraud however I know he has paid all the debts off
JA: Anything else you want the Lawyer to know before I connect you?
Customer: No thank you

Welcome to JA. I’m Vineet, a UK qualified & practicing Solicitor and I will be dealing with your case today.

Customer: replied 1 year ago.

If you haven`t taken any loan in your ex-husband`s name and no money came to your bank account, then there is no fraud or malafide intent from your end

The girlfriend or your Ex can not prove any fraud charges, from the given input.

Customer: replied 1 year ago.
I haven’t but he is now trying to say he did not know about them so where do I stand with that
Customer: replied 1 year ago.
He is trying to say I took them out with out his consent

If the money went to his bank account, then the logic that he is not aware of the loan does not hold.

If the money came to your acc, then your ex could have said that he is not aware of these joint loans, but when he signed for them and the money got disbursed in his personal account, then he can not say it is a fraud done by you.

Customer: replied 1 year ago.
They was credit card as well however he did tell me he has paid all off the debts off but doing that dose that make him liable or could he have paid them off to start a fraud case up against me I have 3 young children so this is actually worrying me

In joint loan, all parties become severally or jointly liable for repayment. Credit card debt paid or unpaid by him does not make you liable for fraud .

There can not be any claim of fraud against you if the Loan money is withdrawn in his sole bank account.

You have nothing to worry about.

If you need further assistance, please let me know.


If that answers your question, Kindly remember to rate my service by selecting the 5 stars at the top of your screen before you leave JA today

Customer: replied 1 year ago.
would the police not take it as it’s his word against mine or could he take me to civil court

It is a civil matter and police would not be interested in this

For initiating a civil claim, he would need evidence, which is lacking here

As it is a civil matter, the police would not help and as there is no evidence, a civil claim can`t be admitted

Does that answer your query?

Please don`t forget to rate the answer before you leave JA today, so that I could get credited for my time.

Customer: replied 1 year ago.
Yeah but he said he has letters to say he has paid the debts can this not be used as evidence

No, that does not mean you committed a fraud

Please let me know if you need any further assistance

Does that answer your query?

Customer: replied 1 year ago.
what evidence would he need

That you have taken a loan in his name and got the money disbursed in your account

Which is not the case here.

Customer: replied 1 year ago.
It wasn’t put in his account but he is saying he didn’t know they were took out

Does not matter what he is saying, He just can not initiate a claim and accuse you of fraud

Does that answer your question?

If that answers your question, May I politely remind you to rate my service by selecting the 5 stars at the top of your screen before you leave JA today.

Thank you.

Vineet S and 2 other Law Specialists are ready to help you