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Here's another...thoughts?
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Posted by Em
(63.76.139.65) on March 11, 2003 at 15:50:26:
Hi again...this place is addictive! Loads of great information and you know what they say, knowledge is power... In late 1999, my ex opened an MBNA account for a computer. My name is listed no where on the account, none of my information was used to establish it either. In the divorce decree, I agreed to pay for the account because I had the goods, even though everything was (and is) still in his name. I have paid diligently for a year and a half, never missing payment but because I got the account when it was already going into arrears and over the limit, so I have never been able to attack the principal. I am throwing money away. I have my own debts, in my own name, that are reflecting positively on my CR and I am helping his credit positively by paying this when I could use that money to go towards my own debt. I have contacted MBNA to ask them to negotiate the over the limit fee but they won't do anything because it's not in my name. They apparently don't understand who's been paying the account for the past year and a half; they have all of my information. They told me I needed to contact my ex and have him add me to the account or open up one of my own. No thanks on both options. So my question is this: Do I not pay the account basing it on the fact that the account is not mine, my name is not on it (although I'm sure if they even attempted to look at the history they would find it) but I'm still in possession of the computer? I think the fact that I've paid this thing for almost two years with no movement on the balance indicates I'm willing to pay the bill but I'm getting screwed. Again, I'm in Wisconsin, the fabulous marital property state, which is why I'm concerned about him contacting me on down the road via a lawyer. Although, he has a $20,000 car loan that I'm certain has not been paid so perhaps he's not too worried about a scant three grand... I know it's long, sorry! Thanks again for any help... Em
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