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Recovering money owed from an Ex Partner

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recovering money owed ex partner

Recovering money owed by an Ex-partner is commonplace in the UK.

If you and your girlfriend, boyfriend or Fiancé have decided to separate, financial concerns are likely to be the last thing on your mind.

At the end of a marriage, money issues will be resolved in divorce court. But for most unmarried couples, the ugly details of who owes what to who is not so easily resolved.

As there is usually no formal legal process to go through, you and your ex-partner may have disputes about:

  • Any monies borrowed from one to the other
  • Any joint financial obligations you might have together
  • How to split any possessions or items bought together such as house, car etc
  • Arrangements for your children such as child maintenance payments (unpaid CSA)

Many individuals end up stressed about money owed by ex-partners — often debts they don’t believe they owe. A frequent question is whether or not they’re legally bound to pay up.

A survey of 2,000 UK adults found almost six in ten Brits have borrowed money from a partner, friend or family member, and over a third currently still owe cash to them.

Although legal solutions such as debt collectors, small claims courts and solicitors can be very effective, arming yourself with the right information will make you feel more prepared for separating your finances from your ex-partner, and will ease the process.

Recovering Money Owed By An Ex-Partner | Get Expert Help From A Professional Private Debt Collection Agency Now

Our friendly team of Debt Collection Experts is happy to help you today


Here are some handy tips on how to deal with the situation:

1Written Evidence

Whatever the circumstance, for example, you lend your boyfriend/girlfriend or fiancé money; make sure there is evidence of the money being transferred to your ex’s bank account and an email or text confirming that the loan has been transferred.

Repayment Schedule

If your ex-partner is unable to pay you back the full amount of money, rent or costs owed, why not suggest a repayment schedule, i.e. ‘X’ amount every week or month and set up a standing order into your bank account.

Document everything

It is not uncommon for an ex to miss a payment date, especially when they don’t feel they owe you the money. Do not just write if off – peruse the payment with a friendly call, text or email. Always make sure you keep all correspondence as this will create a paper trail in case you end up involving a debt collector.

Stay calm

When he or she hasn’t paid you back it’s hard not to get angry, however, it is important to try to stay calm and composed. Being confrontational could result in the ex being unwilling to consider repayment at all.

Take action

Hopefully, it will not reach a point where the ex-partner is unwilling to pay the loan back, but if this is the case, it’s time to call the professionals.

Breakups can be hard enough without trying to collect money owed from an ex, so having a Professional, Personal Debt Collection service at hand can help minimise the stress and emotional friction this can cause.

Private Debt Collection

Many of us think of Private or Personal Debt Collection as something that only businesses and contractors can utilise, but this simply isn’t true.

Sometimes, individuals make loans to loved ones and have trouble securing repayment. As the UK’s leading Professional, Private Debt Collection Agency, we help thousands of individuals recover what is legally owed to them in a sensitive and understanding manner.

At Frontline, we empower individuals where there is a need for recovering money owed from ex-girlfriends/boyfriends, friends or family members. Whatever the situation, we can provide a Free assessment of your claim and if appropriate, accept an instruction to recover your money where the is a civil burden of proof of the debt and it is cost-effective for us to do so.

Some people make the mistake of thinking that debt collection is just for businesses but that is incorrect. Our debt collection services help individuals, as well as businesses, get what they are owed.

For further information on Frontline’s Private and Personal Debt Collection services, speak to a Professional, friendly Collections Adviser today by calling the helpline on 0333 043 4426 who will provide a free and frank assessment of your situation. All enquiries are completely confidential.

Recovering Money Owed By An Ex-Partner | Get Expert Help From A Professional Private Debt Collection Agency Now

Our friendly team of Debt Collection Experts is happy to help you today