Thanks for everyones replies. Ive pointed my ex in the direction of a SAR etc so will see if there is anything we can do from there. As a side note, does anyone know how I can extract my share of the money held by the solicitor ? I believe the arguement with Moorcroft will go on for a while and I am being chased by debtors and would ideally like to use some of the money held by the solicitor to get them off my back.

Hi everyone, Thanks for all your feedback and comments. According to the CRA, Barclays have listed the debt as 18K which includes over 10 years worth of interest ! not bad on a loan that could have been settled last year whilst still giving them a nice profit. I have advised my ex to request from barclays details of charges but will also point her in the direction of a SAR aswell. does anyone know how flexible BPF are in terms of agreeing reduced amounts ? im not looking to pay them anything less than we borrowed but im not prepared to pay them 4K ontop of the 8K just because we had some issues !! Thanks again

Hi dx Thanks for the reply, the original loan was taken out in jan 2009 and was a nothing to pay for 12 months agreement and so the first payment was due in Jan 2010, we sold the property in sept 2011 and my ex paid something each month (not sure how much) and we have been trying to get the loan sorted since then. Not sure if it appears on the cra but I have asked her to check.

Hi Everyone, Been reading lots of threads on here for a while but not added much - sorry about that but I am in need of some help. My ex and I had a conservatory fitted to a house that we owned at the time (which we have now sold) but the loan was in her name as my credit score was poor ! I agreed that I would cover my share of the conservatory when the house was sold and when it came to selling it we found out that Barclays wanted to charge us 50% on top of what we borrowed as my ex hadnt kept up full payments (unknown to me) we originally borrowed 8K and now they are demanding 12k after only just over 2 years ! the reason as I understand is due to them demanding interest for the entire term and penalties etc ! the original loan was due to run for 6 years or something. now we need to get rid of this loan and I am happy to pay them 8k plus some interest etc (not forgetting that they have had approx £1500 in payments todate) to cover their costs but I sure as hell will not pay them 12K. The debt has been handed to Moorcroft now but they wont budge saying that they want full payment. Can anyone point me in the right direction as to how to try and get a reduced settlement agreed ? I am out of work and could really do with some of the left overs to cover bills for the next month etc. Many thanks

Hi Everyone, I'm new to this site and have been reading Classe's thread on being taken to court as a buyer but I have a situation as a Seller that I would like to ask you about. I listed a car with a BIN or best offer (private not business), I received several offers and countered a few as they were so low. one of these offers was accepted and the buyer confirmed he would collect the car the following monday. All good ! Now, the buyer is not responding, the person answering his mobile says he bought it last week and hasnt bought any cars, the landline number associated with the buyers account is answered but they say he's not there and gave me another mobile and the person there says he's not the buyer ! So I am a little angry but hey ho, so I relist the car and the buyer (using a different account) clicks BIN and again no contact. I know its the same buyer as the address listed is very similar to the original address )both in birkenhead, both with same postcode but single digit changed. Too much of a coincedence as it is over 70 miles away from me. So my question is - can I take him to court ? I know I have a confirmed address for him, I wouldnt have minded if he came to pick the car up and said it didnt match description etc but he hasnt. I always thought Ebay followed norm auction rules but during my reading of other threads this is not correct. I know I will get my FVF refunded but Im still £16 out of pocket and still need to sell the car - whats stopping him from bidding on my next auction using another account ? Thanks for taking the time to read. Allan. PS. for the record I feel Classe should have won his case. !