Thank you very uch

Ok i hear you thanks again

Yes i agree but i also feel so strongly about the bank and the way they lent this money to him that i am going to make a formal complaint, whether or not the German ombudsman feels that we have a case or not i still want to complain. I will advise that he goes for bankruptcy but i am going to ask for the debts to be wiped first on the basis of my complaint, or at least investigated first.

There is no way i can just ignore this its way 2 stressful and probably not going to help me because i know it will come bk and bite us in the arse - how cd he visit Germany if he needed to in future he may get arrested ? There are way 2 many issues around ignoring?

I am so confused !

Hi thank you for your comments - my partner telephoned the bank a few weeks ago to ask for the loan to be extended due to the stress....does this void the non acknowledgement side? Are u suggesting we simply ignore all letters? What if they send bailiffs round to my house? How can we live or move forward by just ignoring this? My point was that they lent him 50k in 7 months knowing he was working part time and a single parent... Is this normal?!?! Have they not broken affordability and irresponsible lending rules?

Ok thank you again for all your advice - really really helpful

Ok - can you only earn a certain amount after bankrupcy or can u continue earning the same amount regardless of bankrupcy ? This is a complete mindfield sorry for all the questions

Ok he doesn't work in any of the industries you mention - do u have to declare bankruptcy to an employer if its not written in any of the employment contracts ?

Hi again just to update you - i have gone thru everything with him - there does not seem to be any hidden info from him - I'm guessing at this point i will go ahead with making a formal complaint to the German ombudsman, i don't think at this point we have anything to lose since he is in such a crisis regarding the re payments - i do have a question, tried to look everywhere for the answer but not satisfied- can you help? My partner is working as mentioned previously, if he declares bankruptcy eventually will he have to give up his job ? Ive looked through his employment contract and it doesn't state anywhere that should ur financial situation change etc you have to inform them however would they find out if he eventually decided to opt for bankruptcy?

Oops sorry realised i just repeated myself with the phone call thing

I just asked him - he said the bank filled out the forms and he just signed it then the contract was sent to him via head office ! This sounds more and more like grooming a vulnerable person to me added to this he said they called him numerous times asking him if he wanted more loans when he already had loans with them worth 31k this is outrageous behaviour !

Morning thank you for all your comments - i had a discussion last night - the more i dig the more it seems the German bank who gave him 3 loans (in the space of 6 months) have clearly broken some kind of "irresponsible lending" policy - my partner was bringing home 1600 euros a month at the time and they gave him 3 x loans within 6 months ( one loan 13k) surely this has to be investigated? I have done some research, he has only defaulted on 4 payements since taking out the loans but as a result has suffered from acute mental health issues due to the stress. I think i am going to ask the German banking ombudsman to investigate this case. The lender knew he was in financial difficulty at the time, and knew he was vulnerable, they did not check his affordability of the lending at any point and even cold called him on many occasions to offer more loans... Surely we have a case here to at least be investigated? What are your thoughts?

I will find out the history tonight and write again tomorrow with answers hopefully you will be around. Thankyou so very much for all your advice you have no idea how much i appreciate it

He has no assets no property in Germany or uk just living in my rented accom with me in uk

My partner told me yesterday that he cannot set up a direct debit from uk to Germany is this correct because it doesnt sound right, i think he may have been told this by someone but if you know id like to have the correct info

Ok thank you just to give u an idea of the debt it is 30 k i dont know if this will make a difference to the fantastic advice u have given me so far but it is a large amount as u can see?

Ok thank you so much - do you think its wise to negotiate with creditors? The last payment he made was in july so 2 months behind but no realistic chance of catching up if they continue to pile on interest etc . I told him to write and include freezing charges and interest until we sought advice do you think i am doing this correctly? The germans have terminated his loan contract two days ago or are about to, i hope his email will reach them today so he can keep communication open- the debts are approx 4 years old.

I think 3 of the 5 debts are with the same bank and 2 debts are with other companies but small amounts like 300

The debts are personal loans and credit card debts

Hello everyone My partner is German now living here in Uk with me. He is working full time but has started to struggle with a large debt he had in Germany. i only found out that he was struggling due to the classic unopened letters. I have tried to speak to a few debt agencies who have said 'unfortunately we can only assist with Uk debts' I dont know who to turn to or what to do... I have made him write to the creditors today to ask for 30 days to seek advice but after this period i am not sure what to do. My questions are .... Can he go bankrupt but still have a full time job or would he have to resign ? Or alternatively if he cannot keep his job can we go for an IVA if his debt is in Germany? He has only lived in Uk since last sept and is not a uk citizen however his life is now here.