Hi, I don't know where to post this but, my cousin was in a relationship with a guy over 10 years ago. They bought a property together and subsequently split up. Her ex said he would get a mortgage on his own and stay in the property, which he did. My cousin moved to another city and eventually met and married someone and is extremely happy. However, her ex has sold the house with £10,000 negative equity. He took out a personal loan for £10,000 to settle with the mortgage company in his name only. Fast forward a few years and my cousin receives a small claim's court demand from her ex, stating he wants £5,000 (half of HIS personal loan). The court case is in August. Does my cousin have to pay this £5,000? I thought as the debt is in her ex's name only that HE is liable for the debt? How can he take her to court for HIS debt? How have the court allowed this case to proceed? Any advice would be greatly appreciated

OK I get to view the paperwork tonight. But from a phone conversation. 1) Parked for short time in an ASDA carpark in a normal bay but displayed a disabled badge as all disabled bays were taken. 2) Recieved the pcn from the operator of the car park. 3) Appealed via email (Contents not known) which was ignored 4) Debt collection agency has now begun writing to him demanding money after several months. Rough route to attack this by? Im guessing its too late to apply for a popla appeal. He has trouble writing due to health issues.

Purchased a mechanical reclining 3 seater sofa last year from Cousin's Furniture Store on interest free credit. Repayments have been accurately made on time and in accordance with my agreement. They also sold me an insurance plan to cover staining, mechanical failure of the motor etc, together with structural faults including excessive loss of resilience of seat cushion foam, broken buttons, broken zip operations and peeling of covering leather or broken stitching.It also covers for accidental damage. Now, unbeknown to me the sofa seats, foot extentions and arm rests are filled with foam. However, the back of the seats are fibre filled and are not therefore covered by this policy. We were not given an explanation of it's fillings neither was the policy explained to me about the different fillings. We were not given the opportunity to have a choice of fillings either! Now, you know what's coming - the sofa has seated dreadfully and wasn't even 16 months old when I reported this problem. The rear of the seats have seated so much so that we can feel the wooden frame in our lower back and as my husband has Osteoporosis this is extremely painful for him to have in the reclining position. To my understanding, this is NOT FIT FOR PURPOSE! I contacted Cousins who said as it is over 12 months it is nothing to do with them. I then contacted the insurance and they have eventually sent out a technician who has replaced the foam in the seat and foot extended panel of the sofa but he couldn't do anything involving the back part and so went away. I have since received a letter from the isurance company stating that fibre filled furniture is not covered and there is nothing more they can do. I will be sending the finance company a letter advising that they are jointly liable for this problem, I will continue to make repayments but will advise them they are made under protest because I am paying for a sofa which is not fit for purpose but I would like your advice as to what else I might be able to do in this matter please? The policy is still valid for another 4 years and don't think I can say it has been mis-sold. I think my problem is with the suppliers because they failed to inform me of the fillings or offer me an alternative but hope someone can guide me how to approach this please. Thanks for looking in Shelley