Surely you have to sign something to agree to be liable.

Thanks for the reply Foggy. The issue is, she never agreed to having the overdraft in the first place. It's all been done without her knowledge.
If she never agreed to the debt then how can she be liable for it?

<t>My friend's husband (separated) has an IVA. They had a joint overdraft of £5000. He assured her that she would not have to pay anything back however she has received correspondence from a debt agency wanting full payment of the overdraft. She was aware that the debt was there but does not know ho...