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  1. Just Released Do the "www dot" - gov.uk/government/uploads/system/uploads/attachment_data/file/499432/BIS-16-8-student-loan-repayment-for-sustainable-higher-education-strategy-February-2016.pdf if I cant post this i think an admin should upload for further information to group
  2. I was one of the first people to go through the ESA nightmare. Failed then appealed, placed in WRAG, appealed again finally placed in support group. On DLA awaiting PIP assessment. My wife as two types of Arthritis which over the last two years as forced her to give up nearly all her work. We manage at present but I believe that shortly my wife will need more help than I can give her due to my own physical limitations. Both my wife and I found my experience of the ESA/DLA very stressful. I ended up in hospital with severe mental health problems and my wife is very reluctant to but he
  3. Me and my ex have been renting a flat for just over a year, we have a child and have recently split up. When it was clear the relationship couldn't be saved I put in notice to end the tenancy agreement (It's a big expensive place that I didn't want to continue with on my own and she wouldn't be able to afford), she was asked to confirm which she did and we were given a moving out date. She confirmed she had arranged to move in with family with our child until she was able to arrange a place, I know that this is fact as I actually double checked and confirmed everything was in place t
  4. Hi, This is my first post on here. Please help! I received a letter last week from Concentrix on behalf of HMRC last week stating they were checking my claim for tax credits for the current year. I had put in a claim as an individual and they had information which linked someone else to my address and to me, and wanted to check if I should have been putting in a joint claim. My situation is actually quite complicated and I am now panicking that I may have done the wrong thing and really need both reassurance and advice please asap! Basically, my husband and I separated in January 2015
  5. Evening I will try and be brief. About 2 years ago my wife walked out on myself and my 21 year old daughter. I am working and am on a reasonable salary while daughter works 30 hrs a week. When we brought our house (which is in good positive equity) it was under a Joint Mortgage. My wife is now overseas and for my daughters sake we have kept things amicable. Since then we have been scraping along justs about keeping bills under control. The mortgage company is unaware we are seperated and sometimes I have been unable to make payments. I have used all my payment holidays up. Its starting to co
  6. Could a married partner with a joint account with the other partner be held legally responsible for the debts of the other ?
  7. Hi folks, So I'm in a bit of a complicated situation, I'll try to sum it up as briefly as possible. I guess I'm just curious what people think/advice/am I doing the right thing/anything else I could do? Last year I split up with my ex. I knew he had looked into some sort of tax credits scenario a few months before we split, however I never filled in any forms and never saw any money, thus thought no more of it. In June of this year I discovered he's been claiming joint couples working tax credits under both our names since last year. When phoning the HMRC about this they "fixe
  8. I am new to the forum so appologise if this is in the wrong section. Several years ago I was in Ltd company. We managed to secure bank funding but when the company failed we stopped and both the other director and I have been repaying the bank our debts in installments. We both signed a persobal guarantee. I have since discovered that for about a year he has stopped his repayments and because of the PG the bank is happy just to chase me. Is there something I can do to get make him continue paying and bringing his share level with mine? Is there also a way to pursuade the ba
  9. Hi A quick question if I may. A friend has a joint debt with wife. He was in an IVA which completed last year, the joint debt was subject to the Settled IVA. Wife was not in an IVA. Seven years after starting IVA - IVA friends wife has received letter saying they are pursuing for outstanding debt, they can't pursue him due to IVA so going after other name on joint account. I guess some of the payments to the IVA from him over term of IVA will have settled some of the debt. In the past seven years wife has made no payment to IVA and received no communication regard
  10. Hoping someone can give me some advice here but it seems to be quite a unique situation, with a solicitor even shrugging her shoulders and saying she'd rather not get involved due to lack of experience.. . Apologies in advance for the long post but it is quite complex! My aunt passed away recently leaving me, my brother, and my sister as administrators. She owned a house as "Joint Tenants" with her ex husband. Upon their divorce in 2011, a consent order was made whereby the house was to be sold and the net profits split 60/40 in her ex husbands favour, with
  11. Hi I am in need of some urgent advice, I am on a short-hold assured joint tenancy agreement and the tenant I am sharing the property with is a friend (soon not to be) has failed to pay his rent, we are now two months in arrears. All he has paid to date is the deposit, have had numerous promises of will pay it tomorrow or this week and still no further, rent is due on the 23rd of each month. Now I have stumped up and paid is share of the rent to the agent to alleviate any problem with the agent, but what can I do? Ideally I want them out now, I have rented the property for 8 months on
  12. Wondering if anybody can help, our house was bought in my wifes and her mothers names, it is fully paid off, (no mortgage etc) but my wifes mother recently passed away and we dont know how to change the ownership, we were told to just use land registry but cant find anything on there that fits the bill any help appreciated
  13. I have a joint Halifax account with my ex which is still open but not used. I have highlighted £100's of charges in my statements (mostly missed DDs), going back to 2006. Can I reclaim these without his consent? If awarded a claim I would lodge the cheque in this account. Also, we separated 2 years ago, have 4 kids , and £1,000s in debt in credit cards (paying an agreed £50 per month) , and unsecured loans (which are in my name). He contributes nothing to the upbringing of his kids, and I am left to pay the mortgage and insurance etc. do I state these reasons of "Financial hards
  14. Can anyone advice me if I get my name taken off an account how long will it stay on my credit file
  15. Good evening. I wonder if anyone can help or advise. My partner's ex husband has asked my partner to sign a "Letter of Authority" from a PPI claims company in order that he can reclaim some PPI "for them both"! Call me sceptical, but how do we know he won't just keep all of the money, as the company in question are dealing with him at his address? I have told her not to sign them for a number of reasons... 1) She has no way to guarantee she will get her share. 2) The PPI claim company takes 33% 3) My brother used a company who only took 25% 4) I think she ought to try
  16. This is quite a long one so I will try and condense as much as possible. Alcoholic Husband left a year ago leaving behind myself and two teenage children. New partner from the start. He was on ESA when he left new partner working. He hasn't engaged in any of the divorce proceedings so had to get him served. It seems that he and his partner are working as relief pub managers so are moving around. He lies to the benefit office and to the CSA. I work three jobs but am on a very low income. Suddenly the last few weeks I am now being ch
  17. Hi looking to get some advice about Barclays Bank, basically myself and my boyfriend have a joint additions plus account with an overdraft .for the last 18mths my bf has been without his card,every time the card expires I get a new one but he doesn't. When it first started happening we went to the bank and asked why ,they said they didn't know the reason as there was nothin on there screen to give an explanation as to why it was happening and that they would look into it and call us , didn't hear anything bk so we phoned customer services who didn't have a clue either, they said for some reaso
  18. Hi, Not sure if this is the best sub forum for this but here goes. A relationship ended last year during July. The girlfriend and I had a joint account which had around £2500 in when we split up. Foolishly, I left that money there until a few months ago. I rang the bank to close the account and transfer the remaining funds. The bank informed me that the other name on the account had emptied it into her bank account in October. The partner did not work due to disability and my wages were the only source of income, therefore I kind of feel a bit cheated. Especially as the funds were the r
  19. Hi, I'm hoping one of the clever people here knows of a way around the system, or using the system, that helps me become the main claimant on an ESA claim. 5 years ago, me and my wife signed up for ESA. They asked who will be the main claimant, we asked what difference it made, they said none at all except the tax code may determine how much we get (income based or contribution based I guess). My wife was earning about £3,000 a year more than me, so they said they'd put her down for that reason. But it doesn't really make much difference. Well for 2 years it didn't. We had no ha
  20. I have a weird problem I took out vehicle finance with a company (no names yet if thats OK) There were a few things I was not happy about and just before having it for 1 year the finance company agreed to take the vehicle off me and not chase me for any outstanding balance. My questions is this - They agreed to take the vehicle back and not chase anything outstanding, but my credit file is showing a default and £12k outstanding. This cant be right, surely? - Also the finance agreement was a joint agreement with me and my partner, yet only I signed for it. Shouldn't it
  21. Good Morning, I would be extremely grateful for any advice on the below matter. Last October I entered into a fixed-term 12 month assured shorthold joint tenancy with a friend I had known for a number of years, via a letting agent. Over the last 10 months our friendship has broken down and I now wish to vacate the property at the earliest possibility. My friend however wishes to remain in the property for up to another year. I have spoken with our LA and the information I have received is that as my friend wishes to remain at the property, the tenancy agreement will "roll o
  22. HI, a friend of mine who i have been helping with PPI reclaiming has just recieved a whole host of cheques totaling almost 10k, thats the good news. However one of the reclaims was for a loan she took out with a friend of hers about 15 years ago when they started a small business together. The reclaim has been up held and she has recieved a cheque for around £1600 but it is made out to her and her friend instead of 2 seperate cheques for equal amounts. They ceased their business partnership at least 10 years ago and no longer have a bank account in joint names, so there is no where to pay this
  23. My wife and I lost a county court claim as joint defendants and have been ordered to pay £2800 forthwith. We don't have it and a debt charity has gone through our figures and said run, sorry, offer £1 a month token payment because you are living on credit cards. We are trying to fill in an N245 application for variation but I am a little stuck. We have one source of income, my Wife's self employment, which we both work within and share the childcare responsibilities, so effectively I have no income of my own save for the child tax credits that are awarded to both of us (I do not clai
  24. Hi, I am now going through divorce proceedings and we had an over draft in our joint names, the separation has not been amicable and I froze the account as soon as we separated. Since then the my ex. has refused to pay his half of the debt, so I also chose to do nothing. The bank have now passed the debt across to debt collectors. I have rang the debt collectors and they will not accept my half of the money, they will not agree to a payment plan in joint names and have told me they will now chase me for all the debt as I have got in touch with them. My Ex is not concerned about all this and ha
  25. Could anyone clarify my thinking on this please? I have an old CCJ for a joint loan. I'm the only person on the CCJ as the claim was only raised against me. As I understand it, a CCJ trumps a CCA, so the original agreement is now void. Can the creditor come back at any time in the future with a new claim against the other party on the original CCA? I don't want to put up too much information regarding the debt as I don't want to give the creditor any ideas!
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