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Creditor starting court proceedings.


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hi.

I split with my ex 4 years ago.

our children at the time were in private school which he paid for.

I took them out and put them in other schools {not private}.

 

it came to my attention last year that there is a debt of £16,000!!.

they are now starting court proceedings against the both of us.

 

I do not own my home,

I do not own my car.

 

my credit rating is probably nil as my ex blackened that some 20 years ago.

 

What is the worst that can happen?

Edited by dx100uk
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Hello and Welcome wingyella.

 

I have started a new thread for you as the thread you had posted on was very old.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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My credit rating is probably nil as my ex blackened that some 20 years ago. What is the worst that can happen?

 

Credit rating is all wiped clean after 6 years

 

So what have you received so far......Letter before Action ?

 

 

Andy

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Don't tell me

Harwoods/redwoods?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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who signed the paperwork for the school?

just ex or both of you?

If he signed it to say you would be jointly liable that creates a problem because it may be taken that you have permission for him to do so.

 

If you didnt sign anything at any time your defence is that there is no cause for action against you, just ex. they will probably drop you from the claim then, esp if you have no assets to grab

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I'm not sure that the question of who signature is on the contract is massively relevant here. This was a domestic partnership and the contract was for the benefit of both of their children and I can imagine that it wouldn't take much to persuade the judge that this was a joint contract.

 

What concerns me is that this alleged debt is more than £10,000 so it moves into the fast track and of course this will give courage to the claimants to bring the action and to spare no expense because in the event that they win – which apparently is probably fairly high, they will also be assured of their costs.

 

Obviously would like to know a lot more about it all – but one question I have to ask is whether you are on speaking terms with your ex. Is there any money around? And if after no more about it it appears that there is no particular escape, would it be possible at least to make a payment of about £6500 to reduce the debt to a figure less than the small claims limit. If this were to happen then you could be a little more tricky in the way that you deal with the claim. A payment would have to be made before the claim was issued – not afterwards.

 

Obviously, you need to post up a lot more detail

Edited by BankFodder
edited fast track - another senior moment!
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Yes - fast track. Sorry

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