Jump to content

deb4tlj

Registered Users

Change your profile picture
  • Posts

    280
  • Joined

  • Last visited

Reputation

10 Good

1 Follower

  1. Yeah that's what I thought - get everything in black and white. What sort of solicitor should I be looking for - a specialist divorce one, a family one? Your help is very appreciated.
  2. I'm not sure if I have posted this in the correct place so apologies. 4 years ago this August my husband walked out on me after 29 years of marriage. He said I could stay in the house as my wages are so low (800 a month) that I could not afford to rent. The house is mortgage free and has been for over 10 years . Both of our names are on the title/deeds. I have been maintaining the house and paying all the bills for the past 4 years. He has suddenly decided that he wants a divorce now but has stated that I can have the house . I don't trust him. Can anybody enlighten me on my rights regarding the house and the fact that I have lived in it for the past 4 years. My ex is older than me and now retired but has a very good income from several private pensions. I have never asked for any money from him, no spousal support, nothing.
  3. Thank you for your reply. The thing that worries me about going the legal route is the cost. I work 27 hours a week, my take home pay is 780 per month and I am struggling financially as it is. I am not entitled to any benefits and he is paying nothing in the way of spousal support and refuses to do so. We've been married for 29 years but all the balls seem to be in his court. I'm nearly 56, he's nearly 69 and is on two pensions, is working cash in hand for a number of landlords in the area (he's a general handyman) and is paid a retainer monthly by a landlord friend of his that he doesn't declare. I've recently found out that he has a number of bank accounts, one of which he's salted thousands into. I tried to contact him for financial help and he said "Go for it, I dare ya!" I'm in the depths of despair over this and am still not well, am still visiting my oncologist every 8 weeks. I'm so depressed.
  4. After finishing chemotherapy for ovarian cancer and finally getting back to work fulltime, my husband declared at the end of Aug 2014 that he was "fed up of being Mr dependable" and walked out on me. I have since had everything changed into my name but my question is the house. It is paid for - no mortgage - and is in both of our names. I do not want him to sell it out from under me - is there a way I can get the house put into my name due to his desertion or something or do I have to go the legal route? Any and all advice welcome please.
  5. Sorry about the multiple threads. This section in the above post; " they’ve told me that they’re getting legal advice about their approach. This is because they believe they can apply the refund to the debt with Marlin because it was a sale of an outstanding balance, rather than of a sale of debt. I have told them that this is not in line with our approach, and they want to get legal advice before they respond to me fully." is verbatim from the latest email from the FOS adjudicator dealing with these bullies. I have been n sick pay because of my cancer and chemotherapy for the last 6 months and it will be reduced from 725 a month to 390 as from the end of this month. I desperately need this money - which they have been fobbing me off about for nearly 2 years now! - to pay my gas and electric bills and my council tax is due at the end of this month but now they're taking legal advice to offset the PPI money against the outstanding balance that is only going to put money in Marlin's pocket as NRAM sold it to Marlin in Oct of last year! I am worried sick to the point of feeling suicidal!!!
  6. Have successfully reclaimed my PPI from this loan with NRAM via the FOS but NRAM are delaying paying out. This debt was sold on by NRAM to Marlin 4 months ago and NRAM have now informed the FOS that; " they’ve told me that they’re getting legal advice about their approach. This is because they believe they can apply the refund to the debt with Marlin because it was a sale of an outstanding balance, rather than of a sale of debt. I have told them that this is not in line with our approach, and they want to get legal advice before they respond to me fully." I am currently undergoing chemotherapy for ovarian cancer - proof of which I have sent to the FOS - and am in desperate need of this money to pay off an outstanding debt that is costing me £300.00 a month. Somebody please advise on my rights on this matter as I believe that NRAM has had more than enough time to resolve this situation for me and now firmly believe they are merely stalling for time and making interest for their company by withholding my money. I am owed over £3,000 and we all know how much Marlin will have paid for the existing £2,000 owed! I believe I am being bullied into using money that I was deprived the use of to repay this debt even though I am making regular monthly payments to Marlin and have never missed a payment. All advice would be appreciated.
  7. Long story short, had a loan with NRAM fell into financial difficulty and have been on reduced payments. Have never missed a payment and have paid regularly every month. Have received a letter from NRAM saying that they have sold my existing balance to Marlin Europe - no default notice or warning was recieved about this. Marlin have also sent a letter insisting that "in order to help with my fiancial difficulty" they require details about; my mortgage (house is in husbands name) my husbands pension income (he's a pensioner) any benefits I have coming in (don't have any although have recently applied for PIP due to a cancer diagnosis in November - am currently undergoing chemotherapy after extensive surgery) general outgoings This loan is unsecured and in my name only. Do I have to provide them with this information by law? I am also reaching the end of my 6 months full sick pay - as of next month I will be on half pay and in even more financial difficulty. I emailed Marlin on receipt of their letter and said that my pay would be reduced by half as of April, I have no idea when I will be able to return to work and that, at this particular moment in time, "it seems pointless to fill in this income/expenditure form at the moment as my financial cicrcumstances are due to change very dramatically" I have received no reply from them either by email or letter despite resending the email. All help and advice would be gratefully received.
  8. Ok and thank you both - another stupid question - do I use their APR at 11.9% on purchases or their monthly interest on purchases which is 0.945%? (Those figures aren't actual!) Edit - interest seems to change every 6 months or so, does this mean I have to do a seperate spreadsheet for each different interest amount/payments?
  9. Had been on a reduced payment plan with A&L for a credit card and have paid every month the agreed amount for at least 2 years. Out of the blue I get a letter from Moorgate saying they now own the account and to continue making payments to them. Should I have had a notice of termination or something from A&L or something? All seems a bit odd to me as I have heard nothing from A&L.
  10. Probably a stupid question but am just about to sit down with reams and reams of paperwork and start a claim for PPI on 2 credit cards. My question is, which spreadsheet should I use for the 8% interest - single or compound?
  11. I sent in a claim request and they took my details over the phone and sent me a letter to make sure they had the information correct. That's when the first denial came and I replied with the letter in the first post of this thread. The pdf in the first post of this thread is their second refusal to pay out.
  12. Many, many thanks for your reply dx - was feeling slightly out on a limb here and unsure of next step. Have composed what I consider to be a pretty strong reply - will post it as a pdf at first opportunity. Edit; if anybody can use any/all parts of my letter please feel free, I tacked it together from advice on here myself.
  13. 215 views and no comments apart from my own. Starting to feel slightly ignored here.
×
×
  • Create New...