My partner of 5 years told me on New Years eve that he had been gambling for the past year and asked to borrow some money, when I enquired on how much he was in debt it turned out to be tens of thousands of pounds. I could not believe it, and had no inkling that he was gambling never mind to such extremes. I am now somewhat in control of his finances but I'm concerned about how easy it has been for him to get so many payday loans up until now. I'm aware he is probably getting a lot of emails and or texts advertising these to him, is there anyway in which he can be blocked from taking out loans in the future, or for the short term at least? This is my main concern as he is going to GA every week and has GamBan installed, as well as this I can see how much he is taking out of our account and putting it into his account, but have no way of seeing if he gets loans out.
I'm really struggling to trust at the minute, I travel for work and worry that when I go away he will fall back into old habits. I cannot help any more financially than I already have and feel like any type of relapse would mean financial ruin for the both of us.
Any words of encouragement or advice are welcome.
He can put something called a "notice of correction " on his credit file. It is a short 200 word explanation which will prevent automatic credit checks and force a human to look at his credit file. However please be aware that this could impact obtaining future credit such as mortgage or private rental. Might be worth speaking to experian and / or national debtline.
He can put something called a "notice of correction " on his credit file. It is a short 200 word explanation which will prevent automatic credit checks and force a human to look at his credit file. However please be aware that this could impact obtaining future credit such as mortgage or private rental. Might be worth speaking to experian and / or national debtline.
Your very brave, standing by him, tell him forget what's gone , you wont win it back, easier said than done, but only way, work it all out and say if we work hard we can be debt free by this time, will be hard but you can do it, also don't be bullied by creditors, ask for interest to stop and pay as much as you can to still have a life, because if you dont,the gambling part of his brain will be, win it , win it, but you just never do, trust me
all my best wishes LCS
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