Hi, over two years ago I had an extremely MINOR scrape in the back lane doing approx 5mph, the sort that most reasonable people would disregard. I had four people in my car and no-one even felt my car scrape the other party's bumper. However he made a song and dance and started harassing my to put it through the insurance because his wife wanted a courtesy car. I told him not to be so stupid - his car wasn't worth more than £50 - however the harassment got worse, I was plagued with phone calls from people wanting me to authorise a courtesy car and people banging on the door, so I took advice and rang my partner's insurance company, stating that I did not want to claim but I was sick of the hassle. They told me they would speak to him. I heard nothing more until two weeks ago we received a snotty letter from our insurers saying we had failed to disclose a claim. I rang them to discover that they had paid out £7500 for whiplash injuries etc etc. We didn't received any notification at all that this claim had been made and I need to know how I can sort this situation out. There is no way on this earth he suffered a whiplash injury but the insurers say if they have a doctor's note to that effect they have to pay out.

I had been with my ex partner for 13 years and we had a joint mortgagetogether for 10 years. We were due to get married 10 months ago however he felt we wereincompatible and called the wedding off 8 weeks before the date. He made it very clear that he wanted to keep the house as we bought it fromhis parents so I moved out and stayed with a friend until the joint mortgagewas transferred into his sole name and 50% of the equity released to me.. On the whole the process was fairly amicable. I boxed up as much of mybelongings as I could and put into my parents garage. I told my Ex what otherthings I intended to take, mainly the pieces of furniture I had bought andkitchen equipment. He agreed with what I intended to take and kindly offeredfor me to leave them in the house until I get my own place. I kindly offered totemporally leave my kitchen things - things i had before we lived together andother items I inherited from my Nan (easily replaced but sentimental) for himto use, as I didn’t need them immediately as I was staying with a friend whichalso gave him the time to replace them. However he dragged out the process of transferring the equity saying hecouldn't afford the solicitors fees, he insisted that I pay for his solicitorout of my share of the equity otherwise I would have to wait months for him tosave up, I paid £500! I had to agree this with his solicitor before they wouldrelease the equity to me. Before he would sign the transfer of title deeds he requested that I wouldagree to pay his new mortgage set up fees of a further £268 and return allhouse keys to him. I had an offer accepted on a house and it was all waiting on me having thedeposit, so I verbally agreed that I would. I was trapped!! However I didn’t pay it as I felt it was black mail and I had already kindlypaid his previous fees that I didn’t have to do!!! Now I'm in my new home I contacted the Ex as planned to get my belongings,he's ignored all my calls and messages and refused to answer the door to me. Eventuallyhe sent a text saying I’ve had £xx K off him and that his solicitor has toldhim that now the house is in his sole name and that I have cashed the equitycheque I have no legal right to anything in the house. My mum managed to speak to him last night and he told her he was intentionallyignoring me and refusing to return my belongings because I didn’t give him the £268for his mortgage fee. I have credit card statements showing the items I bought in last 3 years,amounting to over £3k. I only have an actual receipt for one item of furniture. Do I have any hope of getting my things back? Any advise would be greatly appreciated

If person A goes to live with a person B who pays for children through the CSA and person B then becomes unemployed but is not entitled to any support because of the living together rules and person A's income, what of the person A's income and capital have to be declared to the CSA? I hope this makes sense and someone can help. Thank you.

HI All took out one of those at home training courses in 2006 but never got the support that was agreed in the paperwork, i constantly emailed for support but all i ever got back was replys stating change of tutor(kept emails). so i refused to pay anymore due to this as i could not complete the course without support. last payment was in 2007 i think . i was contacted in 2010 by apex claiming i needed to pay £1100 to which i replied that the account was in dispute due to the company breaking the terms and conditions of the agreement, i explained why and forwarded all the email correspondence to apex, apex had already put a default on my account to which i asked to be removed as they had no right to, they removed this and have asked for no money since but send me a letter every three months or so with whats oweing but not asking for payment, i checked my credit report today and they have put the default back on but says last updated 07/2010 any ideas on how to proceed as they are not asking for money but how did they put the default back on, it wasnt there 2 months ago. when they removed the default they also removed anything to do with apex, i cannot remember who i originally took the course out with it think it was acpd or similar. i have been working hard the last few years to keep my credit report clear and have done so until they put this back on any help or advise appreciated kind regards Tony

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Good afternoon all, Just after a little advice if I may please? I recently received a letter from Halifax explaining that a PPI claim was being made. I approached my ex and questioned this and she admitted that this was true, she has involved a third party to act on her behalf. Unfortunately for her Halifax have sent me a cheque for 500+ Pounds. Now this has come at a very needy time for me and she has now got very disgruntled at the fact that her PPI company have been by-passed and I have already received money. Had it not have been for Halifax I would not have been aware of these claims being made on her behalf but the concern I have is that we also had two mortgages together (Both settled in full) and a couple of other secured loans in joint names (also settled in full). Unfortunately I was awarded nothing when our home was sold off despite being out of work when we split. 6 years down the line I am still struggling away with my new family. I have a concern that this very money orientated person is trying to claim the PPI back on joint accounts for herself. Is anyone able to advise of the legalities involved in such a case please. Kind Regards 2deceitful

hi i have just split up with my ex,i rent my own flat she was staying here most days a week and some at her mum.i am the only person on the tenecy agreement.we have had a bad break up i have dropped off all of her belonging at her mums.some furniture we went half's on.she is now saying because she has the receipts for some of the stuff we bought together she is going to phone the police with the receipts and have them removed.i have paid her half for these items.i have a basic bank account so she used her card.can she do this? what is the procedure? what are my rights? thank you in advance if anyone can give me some advice regards dan

Hi everybody I have tried making a PPI claim to Barclays Partner Finance for a car loan that I took out. My monthly PPI payments were paid to Barclays, however they have written back to me to saying that the dealership I bought the car through effectively sold me the PPI and they have passed my details on to them. Is this correct?? Thanks in advance

Afternoon all My partner has a got a mortgage in her sole name, as my credit is very poor, After 5 years i will be put myself on the mortgage as soon as i got my credit score to a better standard My qurestions are: What things might link us financially? We are doing house insurance is that okay to put my name on as saying i live in the house or will that link us? I understand things like sky, virgin media, etc will link us financially Just dont want to get in a position where i effect her credit rating Thanks in advance Journey Man

Does anybody have a contact email for Barclays Partner Finance? If possible the Managing Director would be good. Have just phoned up for a settlement figure only to be told that it's significantly more than the current outstanding balance on the account...

My girlfriend is having a problem at the moment with her ex partner. They lived together for 15 years and had children together, and recently split up. She moved away from her ex along with one of the children. Trouble is, a couple of the bills were in her name including the Virgin bill and his mobile phone, because he couldn't get a contract. Now they have split up he didn't bother paying and they went to debt collectors who are now chasing my gf for the full payments. Is there any legal way that her ex can be made to pay for some of the debt?

Hi everyone im on esa in the sg, currently on IR as OH is unemployed, he is thinking of retraining as competition for jobs is so high we don't see one coming his way soon try as we might. the main pathway of training for what he has chosen is an apprenticeship which he can do as an adult, but in his first year will be on apprenticeship wage of 2.60ph, he plans to try to negotiate a part time one so he can continue caring for me. if not most are based on 40 hrs which i fear will wreak havoc with our benefits, are the rules for apprenticeships the same as all other jobs, so as is it over 24 hrs we will loose entitlement to IR so loose CBT and SMI as well. was just wondering if because the wage is low, there are any other options, we could claim WTC but it will still be a drastic reduction in income. any pointers or advice would be much appreciated as always thanks rach