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sinead89 · Sep 21, 2011, 07:48 AM

My boyfriend, at the time, asked me to take out a payday loan in his name as he had bad credit. I agreed and I took out a loan for $300 giving him the cash from my bank.

We broke up, and now it's time to pay the loan back, but he is refusing and sending me abusive, vile messages. What rights do I have to get it back?

I have text message conversations stating that he knows he has to repay and in those messages he says he will pay.

Curlyben · Sep 21, 2011, 07:51 AM

Firstly YOU need to repay the loan company, otherwise things will get messy with late fees and high interest charges.

After that it's time to get serious with him, up to and including court action.

The potential legal action really depends on your location as laws vary from country to country.

themisfitkitten · Sep 21, 2011, 08:31 AM

I agree with Curlyben--although you may be able to take this to civil court or some other legal action, your first concern should be to protect yourself, and get that loan paid off as soon as you can.

The loan is in YOUR name. It is YOUR responsibility to pay it off. As far as they know at the loan company, your ex doesn't exist and this was your loan all along. They will be coming to you for payment, and you will be the one getting assessed late fees and interest. Even if you do succeed in getting the money back from your ex, it may take time, so if you hold off trying to get the money from him before paying it off, you are only hurting yourself.

Please take our advice in this. I personally made the mistake years ago of taking one of these loans out and not paying it timely; my $600 loan turned into literally thousands after I only paid the interest for a long time. In the long run, you are better off having learned a $300 lesson (plus interest and fees, lol) than trying to drag out payment of the loan just because you don't feel you should be responsible since it was taken out for someone else.

Fr_Chuck · Sep 21, 2011, 09:19 AM

The two posters are correct. First legally you owe the money, and you borrowed it. So you need to pay it back. And if you don't, you will end up owing 1000's very shortly, and they often gladly garnish your wages for that pay.

Or if you gave them a check to cash, if it is not accepted, you will have those fees and even possible criminal issues. ** I know some pay day places makeyou write post dated checks for payment.

But then using the emails, you sue your boyfriend ( ex) for the money.