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You need to check the loan documents. Lenders are usually not very happy if payments are made late, and 2 weeks late, even once, can be enough to upset them. As you're the guarantor, they would have been trying to contact your husband first.

“ "Hi. I've got a record of not repaying my debts on time. I'm also struggling to meet my current commitments. Please will you lend me more money, but at a lower rate." It's hardly a compelling prospect for a lender. <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=...

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