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Should a married couple tell one another if they take out a loan?

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By *verready5000 OP   Man
4 weeks ago

mansfield

Looking for people’s thoughts on this!?

If they have separate bank accounts and both work, and pay the bills equally, should they tell there spouse they are taking out a loan before getting it? Even if they are paying it back themselves.

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By *inochioMan
4 weeks ago

Derbyshire

Potentially. If they are married could be held equally responsible if a default occurs. For this reason we have a joint account that my wife controls.

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By *B69Woman
4 weeks ago

Wiltshire

I would have thought it would come up in conversation at some point. It could depend on what the loan is for of course, unless their using the money for a surprise for the other party.

A friend of mine got a loan out to get her boobs done and didn’t tell her partner, he didn’t question how she was paying for it though.

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By *rHotNottsMan
4 weeks ago

Dubai & Nottingham

I’d say yes , marriage is only about legalising joint finance and inheritance within pair bonds.

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By *he AmbassadorMan
4 weeks ago

IRLANDA. / Prague. / Cil Dara


"I would have thought it would come up in conversation at some point. It could depend on what the loan is for of course, unless their using the money for a surprise for the other party.

A friend of mine got a loan out to get her boobs done and didn’t tell her partner, he didn’t question how she was paying for it though."
does your friend do meat sambos WB.like I'll provide the sausage

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By *orthern_knobberMan
4 weeks ago

manchester

Only if it’s to spend on h👀kers and blow.

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By *awpleasureMan
4 weeks ago

Sutton Coldfield

Yes despite separate bank accounts, it still should be discussed before one goes that far.

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By *NormalMan01Man
4 weeks ago

Harrogate


"Looking for people’s thoughts on this!?

If they have separate bank accounts and both work, and pay the bills equally, should they tell there spouse they are taking out a loan before getting it? Even if they are paying it back themselves. "

I think you need to speak to your wife and a marriage councillor

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By *icecouple561Couple
Forum Mod
4 weeks ago

East Sussex

It depends entirely in the dynamic of your marriage and how you deal with your finances. Things like this are between the two people involved and how other people do things is irrelevant

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By *ou only live onceMan
4 weeks ago

London

I think so. I guess the question is why wouldn't you?

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By *r Mrs FuckableCouple
4 weeks ago

Stoke


"Looking for people’s thoughts on this!?

If they have separate bank accounts and both work, and pay the bills equally, should they tell there spouse they are taking out a loan before getting it? Even if they are paying it back themselves. "

No, it's your finances so why would a woman need to know, married or not it's none of their business.

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By *reyToTheFairiesWoman
4 weeks ago

Carlisle usually

Yes.

Financial clarity is important if you share a home and financial responsibilities.

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By *ayor 42nd StreetMan
4 weeks ago

Branston

Absolutely! If you are married, your spouse's debt is yours, whether or not you have separate bank accounts! To do something like that on the "sly" is really just not on, you're married ffs! You take on everything your spouse brings to the table together, or you don't get married, it really is that simple. If your spouse is this underhanded, what else are they hiding from you? Marriage has to be 100% open, no lies, no secrets, you are either 100% committed or don't bother getting married. That doesn't mean you have to behave yourself sexually, as long as both of you are happy with what the other, or both of you is/are doing. But yeah, when it comes to finances, you can't hide that shit from your partner, it will destroy your relationship.

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By *929Man
4 weeks ago

newcastle

I honestly don’t know probably depends on how they work the relationship it wouldn’t bother me if I was married and wife never told me as I always kept my financial affairs to self I can’t see no harm as long as nothing changes.

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By *mileyculturebelfastMan
4 weeks ago

belfast

Nope.

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By *verready5000 OP   Man
4 weeks ago

mansfield


"Absolutely! If you are married, your spouse's debt is yours, whether or not you have separate bank accounts! To do something like that on the "sly" is really just not on, you're married ffs! You take on everything your spouse brings to the table together, or you don't get married, it really is that simple. If your spouse is this underhanded, what else are they hiding from you? Marriage has to be 100% open, no lies, no secrets, you are either 100% committed or don't bother getting married. That doesn't mean you have to behave yourself sexually, as long as both of you are happy with what the other, or both of you is/are doing. But yeah, when it comes to finances, you can't hide that shit from your partner, it will destroy your relationship."

Totally agree with this!

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By *r Mrs FuckableCouple
4 weeks ago

Stoke


"Absolutely! If you are married, your spouse's debt is yours, whether or not you have separate bank accounts! To do something like that on the "sly" is really just not on, you're married ffs! You take on everything your spouse brings to the table together, or you don't get married, it really is that simple. If your spouse is this underhanded, what else are they hiding from you? Marriage has to be 100% open, no lies, no secrets, you are either 100% committed or don't bother getting married. That doesn't mean you have to behave yourself sexually, as long as both of you are happy with what the other, or both of you is/are doing. But yeah, when it comes to finances, you can't hide that shit from your partner, it will destroy your relationship."

That's absolutely not true.

A person is only responsible for their own debt. If your name isn’t on the credit agreement and you didn’t sign the contract, or act as a guarantor, then in most circumstances you can’t be chased for payment, wife or not.

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By *MisschiefxTV/TS
4 weeks ago

London

Yes 100% why would you keep this from someone you're married to?

If you are keeping this from someone you're married to then why are you married to them?

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By *rightonsteveMan
4 weeks ago

Brighton - even Hove!

I don’t see any reason not to tell.

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By *icolerobbieCouple
4 weeks ago

walsall


"Yes 100% why would you keep this from someone you're married to?

If you are keeping this from someone you're married to then why are you married to them?"

And what happens when the bailiffs arrive at your property?

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By *nightsoftheCoffeeTableCouple
4 weeks ago

Leeds

Yes.

The mr

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By *nightsoftheCoffeeTableCouple
4 weeks ago

Leeds

If your sharing finances bills and such then yes.

But this depends on how that specific couple deal with their finances.

Mrs

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By *ophieslutTV/TS
4 weeks ago

Central

It depends on how much you value trust and honesty within the relationship.

Do you tell the truth, the whole truth and nothing but the truth?

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By *weetiepie99Woman
4 weeks ago

cardiff

Yes, I think so. Why wouldn't you.

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By *rimal InstinctCouple
4 weeks ago

Carlisle


"Looking for people’s thoughts on this!?

If they have separate bank accounts and both work, and pay the bills equally, should they tell there spouse they are taking out a loan before getting it? Even if they are paying it back themselves. "

Yes. If any defaults occur for whatever reason it may have further implications. Also it may have further implications if a loan needs to be made which both parties know about. Whether it's a secured loan against the house or a new mortgage etc. it can affect affordability or credit scores.

Plus, why not just have clarity if it can affect the other person.

Just be truthful. It's easier in the long run.

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By *uga40Man
4 weeks ago

Hemel Hempstead

Straight answer yes

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By *luebell888Woman
4 weeks ago

Glasgowish

I have never been married but if I was I would like to think we had no secrets from each other.

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By *ell GwynnWoman
4 weeks ago

North Yorkshire

Having had bailiffs turn up at my house because of an ex partner's hidden debt, I'd say yes. It's a bit daft not to.

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By (user no longer on site)
4 weeks ago

Curious question... How much are we talking about and what is it for??

£1k for cosmetic surgery

£2k to buy an oil painting

£12k for a boob job /face lift

£20k to buy a car

£80k for a house extension

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By *eordieJeansCouple
4 weeks ago

Newcastle upon Tyne

100% yes. We have a joint mortgage so my wife getting out a loan could have a negative impact on my credit score or potentially worse.

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By *allipygousMan
4 weeks ago

Leicester


"Absolutely! If you are married, your spouse's debt is yours, whether or not you have separate bank accounts! To do something like that on the "sly" is really just not on, you're married ffs! You take on everything your spouse brings to the table together, or you don't get married, it really is that simple. If your spouse is this underhanded, what else are they hiding from you? Marriage has to be 100% open, no lies, no secrets, you are either 100% committed or don't bother getting married. That doesn't mean you have to behave yourself sexually, as long as both of you are happy with what the other, or both of you is/are doing. But yeah, when it comes to finances, you can't hide that shit from your partner, it will destroy your relationship."

No, tell me what you REALLY think.

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By *ayor 42nd StreetMan
4 weeks ago

Branston


"Absolutely! If you are married, your spouse's debt is yours, whether or not you have separate bank accounts! To do something like that on the "sly" is really just not on, you're married ffs! You take on everything your spouse brings to the table together, or you don't get married, it really is that simple. If your spouse is this underhanded, what else are they hiding from you? Marriage has to be 100% open, no lies, no secrets, you are either 100% committed or don't bother getting married. That doesn't mean you have to behave yourself sexually, as long as both of you are happy with what the other, or both of you is/are doing. But yeah, when it comes to finances, you can't hide that shit from your partner, it will destroy your relationship.

That's absolutely not true.

A person is only responsible for their own debt. If your name isn’t on the credit agreement and you didn’t sign the contract, or act as a guarantor, then in most circumstances you can’t be chased for payment, wife or not."
OK, try this and see what happens, The address is nailed by the credit companies, whether you are the debtor or not, hell, even your neighbours are affected by it! Ask me how I know What the law stipulates and what actually transpires are two totally different things.

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By *entleman JayMan
4 weeks ago

Wakefield

If you split up you ate both liable for it, so yes.

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By *r Mrs FuckableCouple
4 weeks ago

Stoke


"Absolutely! If you are married, your spouse's debt is yours, whether or not you have separate bank accounts! To do something like that on the "sly" is really just not on, you're married ffs! You take on everything your spouse brings to the table together, or you don't get married, it really is that simple. If your spouse is this underhanded, what else are they hiding from you? Marriage has to be 100% open, no lies, no secrets, you are either 100% committed or don't bother getting married. That doesn't mean you have to behave yourself sexually, as long as both of you are happy with what the other, or both of you is/are doing. But yeah, when it comes to finances, you can't hide that shit from your partner, it will destroy your relationship.

That's absolutely not true.

A person is only responsible for their own debt. If your name isn’t on the credit agreement and you didn’t sign the contract, or act as a guarantor, then in most circumstances you can’t be chased for payment, wife or not. OK, try this and see what happens, The address is nailed by the credit companies, whether you are the debtor or not, hell, even your neighbours are affected by it! Ask me how I know What the law stipulates and what actually transpires are two totally different things."

Neighbours? What are you on about??

If your finances are completely separate and you don't have joint bank accounts as the OP has stated then you're not liable, let them try to take you to court, they won't win so they won't do it.

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By *cottish guy 555Man
4 weeks ago

London


"I think so. I guess the question is why wouldn't you? "

That's what I thought.

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By *iss.Bella.Woman
4 weeks ago

Wales

Yea, yes and yes. No ifs, no buts. Better to hear it from your spouse. No one knows what's round the corner and god forbid circumstances can change so easily these days. Would you rather be told or find out by discovering a missed payment letter for a loan you knew nothing about?

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