Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 6 of 6

Thread: Family debt

  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Aug 2006

    Posts
    895

    Default Family debt

    My brother in law asked me to pay back a loan of a few thousand pounds after my wife was killed in an accident .
    At the time I was grieving and vunerable and also embarrassed as I didnít know about it

    I started paying him back
    to date I have paid over half and have decided to stop paying as I had no idea what it was for and didnít see the money .

    Iím now being threatened with county courticon
    if this happens should I counter claim for the money Iíve paid as there is no proof and I just have no idea what it was for ???

    Follows
    0
    Following
    0

  2. #2

    Default Re: Family debt

    Who is threatening you with county courticon ?

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.


    Help keep it up and active, helping people like you.



    If you no longer require help, please do what you can to help others

    RIP: Rooster-UK - MARTIN3030 - cerberusalert
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Aug 2006

    Posts
    895

    Default Re: Family debt

    The brother in law because I stopped pay and told him I had no idea what the debt was and he arranged it and paid to my wife without my knowledge canít even tell me what it was for


  4. #4

    Default Re: Family debt

    If he can't/won't show proof of this alleged debt, let him sue you so he will be forced to disclose proof.
    As he will have to follow the pre action protocolicon he will need to produce evidence of this debt.
    One problem I see for you is that you have paid him some money, so he could say that you have known about this all along and only now you have decided to stop paying.
    I would personally ask for proof and look through wife's accounts to see if there's anything there.
    Finding nothing I would let him sue and risk a little further loss as you might find a good judge that throws the case out.
    Also he could avoid court as it's a 50/50 and he could also risk a counterclaim from you.
    My personal opinion, then you'll have to do what you think best.
    Anyhow, ask for proof.


  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Mar 2011

    Posts
    860

    Default Re: Family debt

    So sorry to hear about your wife's death. In the awful circumstances of your wife being killed I can see how researching the law on this was not your first priority.

    But it might be helpful to note that even if this debt does exist you personally are not legally liable for repaying it and cannot be sued in the county courticon. Nobody is responsible for or obliged to pay their spouse's debts. (Unless you had formally guaranteed the debt, which is not the case here.)

    As for the payments you have already paid, if your b-i-l claimed this showed you accepted liability for the debt you'd have a strong defence. You would say, correctly, that you made the payments in error because you thought you were legally liable, and stopped paying when you discovered that you weren't. And I believe you could then recover payments made in error, but that needs researching a bit more.

    The legal liability to repay this (if it is a loan that is legally repayable - that's yet to be established) falls on your late wife's Estate. Did she leave a willicon? If so it's the responsibility of the Executors to satisfy themselves that the debt is actually due, and if it is to pay it.

    Who are the Executors? That may be you too, but suing you as Executor isn't so straightforward. Is there sufficient money in your late wife's Estate to pay this debt if it is actually repayable?

    It's not at all clear that this is a loan that could be recovered in court anyway. The court would have to decide whether it was a loan or a gift between brother and sister. Your b-i-l would have to prove to the court that the alleged loan was made. The court will not automatically accept it exists merely because he says so.


  6. #6

    Default Re: Family debt

    another point to consider is the terms of the loan. If it is written down then the terms will be clear but if it was somehting vague like "here is some money to tide you over pay it back when you can" then there isnt a start or finish date to the agreement so it cannot be enforced.
    You may well have reasonable cause to sue him for the retun of what you have already paid as it was never your debt even if it existed. Some people are so unscrupulous they might just invent a story to get some money. My daughter's ex did that to try and get money from my wife.


Tags for this Thread


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details