A woman ran up nearly £50,000 of debt in her partners’ name – nearly costing him his home.
Pamela Milne forged Allan Bartlett’s signature and applied for loans online to secure the credit in his name.
Her unsuspecting partner only found out about her deception when a loan company called him up demanding a repayment.
And Milne, who was living with Mr Bartlett in Swan Road, Ellon at the time, ran up so much debt Mr Bartlett was effectively blacklisted – and faced the prospect of losing his home.
Milne’s fraud went on for a year, with the debts continuing to soar as she applied for loan after loan to cover the interest on her previous borrowings.
When Mr Bartlett discovered what had she had been doing, he ended their relationship and called the police.
Now Milne – who has since moved to England – has been warned she could face jail.
Aberdeen Sheriff Court heard the 35-year-old first started her credit spree in January 2010 when she secured a loan for £8,000 from the Co-operative bank into their joint account.
She then transferred the loan to her own account, and her debts began spiralling out of control when she applied for more cash from Halifax and Lloyds TSB totalling £23,500.
In December that year, she was granted another £18,442 from Link Loans Ltd.
Mr Bartlett continued his life with his partner at their home, unaware of the damage she was doing to his credit score.
But in November 2011 the extent of the year long borrowing scam was revealed as Mr Bartlett received a phone call from Link Loans querying how he was planning to repay the debt.
Fiscal depute Anne MacDonald said Milne had started her borrowing spate on a low level which gradually grew as the year went on.
She said: “The crime starts off on a fairly small scale and then the amounts increase to fairly significant amounts.
“Mr Bartlett had no notion at all as to what was happening.
“He received a phone call in November, 2011 requesting payment of the loan.
“It was only then that the whole series of events began to unravel.
“Mr Bartlett terminated the relationship and Milne moved to an East Sussex address.
“It seems she was basically trying to take out loans to try and finance the repayment of earlier loans.”
Milne, of 27 Valley Drive, Newhaven, East Sussex, admitted obtaining £49,941 by fraud after pretending to be her ex-partner when she appeared in court.
The loans have since been repaid by an unnamed “third party”, however.
Sheriff Graham Buchanan deferred sentence on Milne for background reports, but described it as a “very serious matter” and warned her that she could be facing jail. The case will call again on December 23.