I commenced a loan (8 year term) with my soon to be ex husband 5 years ago with Firstplus. We were sold a PPI product on the basis that it was refunded after 5 years. My husband left me and the children 18 months ago. I continued to pay the loan myself out of my single bank account. When we entered into financials I approached Firstplus for a settlement figure and asked if (by agreement) My husband could be removed from the liability if it came about that our house (secured against the loan) was transferred to me. I was told that due to the regulation of the loan his name would not be removed. That would mean that I would have to indemnify him against the debt. No problem so far! I requested some information regarding the loan including a copy of the agreement. I noticed that even though the PPI (which we didnt actually require) attracted interest even thought the net amount would be paid back to us. I applied to query the PPI as I believed that it was n fact mis-sold. " Take out the PPI" the adviser said" You'll get it back if you don't need it. Treat it as a savings plan" I was told that I couldn't continue with the complaint without my husbands signature. I have continued to pay the loan since then and we have just come to the 5 year anniversary of the loan so Firstlus sent me a form stating that it required our 2 signatures. Even though I've been paying the loan myself the refund is still classed as a joint matrimonial asset so it was important that it stayed safe whilst we wait for our court proceedings in a few months time. I sent my husband the form and asked that it be returned to me signed so that I could deal with the issue and have the cheque sent to my solicitor (his solicitor has sacked him so he's self representing) I then get a letter from Firstplus saying "Great News, your PPI refind has been sent to the first named applicant" He's underhandedly contacted Firstplus and discovered that as the first name on the account he doesnt actually need my agreement to claim the refund so they've sent him the cheque. The refund was over £7000. He doesnt have to pay anything if he doesnt want to. They won't accept my half payment and chase him for the balance. I'm landed with the continued interest on a product I didnt even want and was mis sold but can't issue a complaint without his co-operation which won't be forthcoming because he's a complete arse in a really bad place (I rejected him) If I dont continue to pay the loan I lose the house where I live with my children. There are actually penalties to pay even if I lawfully terminate the contract He's banked the monies and with his credit card debts it will likely be gone in a week so even if I get a court order giving me the funds it won't be there then I have another legal issue that will cost more money I can't slap him with a Stat Demand and make him bankrupt because he'll lose his job and that won't assist anyone, particularly the only one of our children he chooses to have any interest in. Be careful when considering a joint loan particularly if you're the woman especially if you're the main earner or he's a bad money manager as you'll be stuck with the repayments and apparantly as long as you make the payments he'll get off scott free. Are there any other hard working single mums out there who are expected to keep the children and the useless ex. I can't call my ex a man he's more of an embarrasment.

Cancel the direct debits that aren't applicable to you and then you wont be paying for bills that arent yours. Let them take you to court and explain why they are continuing to bill you for addresses you no longer live at. I dont see the problem. Ring your bank they'll do it for you straight away.