I need assistance please. I closed our cc some 9 months ago but have an outstanding o/draft. I am willing to settle my portion of the outstanding amount but my ex partner does not wish to. The result is apparently ones name becoming tarnished with credit bureaus etc, which I dont want. How do I get the bank (FNB) to convert the outstanding monies so I can settle my 50%. They seem to simply want the debt settles and they dont care who does or does not pay.