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  1. Hi All This is my first time in posting about this topic. I am a divorced mom with two teenagers. Up until recently my children were going to their fathers pretty much every weekend. He is now starting to complain about having them on weekends, and is demanding to change the schedule this is alongside his gf who is shouting the odds about the fact they live together and its her house and they go their because of her goodwill. I am standing fast and saying no, but this is being met with resistance. There is a constant request to change nights, and I get no suppor
  2. Hi to all! I have read some very helpful advices from the similar story thread like mine. I am wondering if anyone could ever help me as well with my situation This Saturday, when I was about to go to London to visit my 90 year old friend ( more like my second Father). I was so stress because I have not sleep that much for the whole week and stress out because my son who is 8 months old has been having temperature the whole week. all set...my husband told me to take his ticket. At first I said no but because I was rushing I just took the travel ticket in the end. Off I
  3. My husband received a letter from this shower on Friday morning, telling him that he owed over £7k on a current account with HFC Bank. To the very best of his knowledge, he's never had any sort of account with HFC - is a "prove it" letter in order to start with? We intend telling them that he denies it is his debt, in any case. Thank you all so much. Catherine Just adding to my own post - I have looked again at the letter from Ruthbridge - it accompanies one from the lovely Cabot Financial, which is telling my husband that, as they have not come to a mutual
  4. I'm not sure if I have posted this in the correct place so apologies. 4 years ago this August my husband walked out on me after 29 years of marriage. He said I could stay in the house as my wages are so low (800 a month) that I could not afford to rent. The house is mortgage free and has been for over 10 years . Both of our names are on the title/deeds. I have been maintaining the house and paying all the bills for the past 4 years. He has suddenly decided that he wants a divorce now but has stated that I can have the house . I don't trust him. Can anybody enli
  5. I wont list all the details but i used my husband season ticket today and got caught. I stated he was aware of me having his ticket but i only told him this as i was on the train in the morning and got caught on the return journey home. Wish i was not so honest telling the truth but there i am, i shoulg have never took his ticket. I dont think it would look good having made a false journey once already plus it is a season ticket, plus the owner was aware of this. As you advised, i will await for the letter from swt but sigh,, , dont really wanting to end a yea
  6. Good morning everyone! My partner has had recent contact from this shower, who are acting on behalf of HSBC. A while ago, my partner opened a bank account with HSBC. He admits to running into an overdraft of £200, and, because he panicked, has ignored a number of letters from them trying to resolve it. He realised he couldn't ignore it any longer when a text message came to my landline for him, and I happened to pick this up, and asked him about it. he did telephone them, and spoke to the ethereal "Chris", who said that, if he coughed up instantly (there's no way h
  7. Hi, I just wanted some advice please. My husband passed away 2 months ago. He had an old santander card which was taken over by capquest. I wrote and told them what had happened and sent a copy of the death certificate. I received a letter from capquest today addressed to my dead husband saying they are sorry for the delay and are waiting for santander to get back to them and they will contact him soon. I am so angry and upset I just want to know who I can complain to. I am going to write to capquest and send the original letter to santander and I also though the fca? Just wanted t
  8. Hi folks, first time here but i am in a sticky situation with Ipswich council. Forgive the lengthy story but i think i need to let you know how i ended up like this. My husband left almost 3 years ago and left me with a ton of debts, not just CT, which my new partner and i have been working our way through them and thought when we got this years CT demand we were free of them. a week later a letter from them stating that i owe £3500 from previous liability orders from 2008 through to 2012. Now call me naive but at the time he dealt, or so i thought with all the m
  9. Hi All, Firstly, apologies if something like this has already been discussed. I have seen similar posts but I think my predicament is slightly different...it's a long story but I hope that some of you will take the time to read it and have some advice for me... So, some years ago, in my clearly very naive and gullible early 20s, I met my ex husband. We got married in 2010 when I was 23, less so because we thought it was the best thing to do, more so for 'financial reasons'. About 6 months before we got married, my ex had started to have some money problems and I noticed some un
  10. Hi, My husband suffered a serious brain injury some years back and after a few years it became clear that he was no longer able to manage any kind of finances. His solicitors suggested the Court of Protection which they set up and managed on his behalf, but it was very, very expensive and once all his savings where gone and they where only managing his benefits the cost was almost as much as they where. We recently switched to myself managing the CoP which means that I have a special bank account and his benefits go into that, his bills are paid and then an allowance is transfer
  11. Well, I'm usually asleep by this time but totally stressed with a situation because of my incompetent husband. I received a NIP for a speeding offence in Oct 15, I am the registered keeper. As I wasn't the driver of the vehicle, I signed the form and dated it and gave it to my husband to fill in the details. At the time we were separated, so I left it at his and told him to deal with it. It's August now and god only knows the truth whats happened but one of his mates was called into court to fill in a statutory declaration because he wasn't driving the vehicle at the time. I've come to kn
  12. Hello you kind people. I believe my long standing case fighting an energy company has, to some extent, contributed to my anticipated divorce. After 42 years of marriage, I am considering divorce. Indeed as you always advise, there are many financial factors to consider. Nevertheless, in the absence of money, I need to make some preparations at this stage before letting him know of my action. My husband has a private investment pension pot. It is set up in connection to his company and he shares the scheme with one other director partner. I am sorry to describe
  13. Hi I'm looking into this for a friend. Approx 2 years ago my friend (we'll call her Lucy) let her husband (we'll call him Gru) use her credit card to do a minor balance transfer. Within a couple of months he had used the credit card (without her knowledge) to rack up £10k worth of debt on professional camera and toy helicopter equipment. She found out, he apologized, he promised to pay it back, he was forgiven. Hence it wasn't reported. Fast forward another two months and it was upto £13k. Again, for reason above it wasn't reported. They are no longer together and he's made
  14. I hope I'm posting this in the right place, it involves quite a few different debt related topics so this seemed as relevant as anything! I've recently split up from my husband and I'm looking to divorce him shortly, in the process of splitting up I've needed to apply for credit for the first time in years and it's become apparent that I've got a poor credit rating as a result of a number of payday loans that have been taken out over the past few years, and a credit card that I paid off years ago and haven't used since is also showing an active balance. I had no idea ab
  15. Hi sorry to bother here. I am new to here and I need urgent advice regarding a letter sent by my husband. Can someone kindly help me to start a new thread as follows: Husband send letter using solicitor for his intention to divorce: Hi I am a girl of 23 years old from Bangladesh. Five months ago I got married to a guy who is a student in London, UK but Bangladeshi national. He is on student visa in UK. The marriage was arranged by my family and my husband family. We have talked and seen several times before marriage and he was very nice to me. In one point of marriage arrang
  16. Hi, My husband works full time, I'm a stay at home mum...but now looking for work and have been for the last few months. We do claim tax credits but I don't actually claim a penny for myself as I'm not entitled to anything due to my husband working. I also don't really know anything about the benefits system as before I stayed at home, I always worked. My husband is currently off sick from work. He picked up a full wage on Friday (which is a month in arrears for sick pay) and has been informed that he is not receiving any company sick pay, just SSP and at the end of September wil
  17. Hi, i am i am hoping someone can help me. My husband has a full time job, which he absolutely hates...he's been there since june 2014 Without going into why he hates it, i was wondering how long before he should be able to claim benefits? Btw i am not working and i dont claim any benefits...
  18. My husband and I separated 6 years ago due to his drinking. He stopped drinking then and is still dry now. When he left the family home he rented a property and as he he was receiving Incapacity Benefit he was encouraged to claim for Housing Benefit and Council Tax Benefit. However he did not tell them he was getting a work pension ( having been medically retired due to depression and 2 suicide attempts) and his pension was paid into my account and I paid his rent. 6 months ago the council wrote to say they had received information about the pension and needed details. He contac
  19. My husband told me last week that he had been made redundant from his job of 6 years. I completed an online application for JSA yesterday and today he confessed that he had actually been dismissed for gross misconduct for continual poor performance and bring the company into disrepute. He is frantically looking for employment... anything he can get. Most advice websites I visit state that he will probably get his benefits sanctioned for potentially up to 26 weeks. We have no income other than my carers allowance (we have a severely disabled child, who needs constant care) and tax cred
  20. Hi there, My husband works for an international company and paid in US dollars. However, the HMRC class him as self-employed. I carry out bookkeeping for him monthly with end of month reconciliation as well as annual returns with other specific tasks on his behalf. However, this work load will increase as of May 2015, hence charging him. My question is.... Can I invoice him for monthly duties carried out. I plan to go self employed doing exactly this once I have completed my Honours Degree in May, therefore, it would be far easier for myself to also go self-employed rathe
  21. evening hope somebody can give me some advice to put my mind at rest, came home from work and there was a open letter in a envelope that says High court enforcement by hand urgent removal of goods pushed through my door inside letter high court form no55 notice of seizure the name on it is my soon to be ex husband he hasnt lived here for 5 months please can somebody advice me what to do? thank you in advance
  22. 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
  23. My Mother had completed a ppi claim and stated that my Father had passed away. She received a letter shortly afterwards confirming the application was successful and she would receive a cheque in the post which she did. Unfortunately it was made out in both my Mothers and Fathers name. When she called the bank she was asked to send my Fathers death certificate as proof which she did she received a letter back saying they had received it and she would hear from the bank within 28 days. The 28 days had come and gone she phoned only to be told they wouldn't
  24. My husband started work on a customers house in November 2011. He was just an ordinary self employed builder. The house was in an awful state but the lady agreed to pay them a day rate of £100. He did have a friend who is also self employed carpenter to help him. On the second week the client decided that their work was not up to her standard and had a chartered surveyor come along and say this to them. Hence he would not pay them the next weeks money, they continued another two more day after that and then decided that they would not return until wages had been paid thankfully they
  25. A husband went to the police station to report that his wife was missing. Husband. My wife is missing, she went shopping this morning and hasn't, come back yet. Inspector....can you describe her...what is her height. Husband... No idea Inspector...slim or healthy. Husband...Not slim so probably healthy. Inspector....colour of her eyes Husband...never really noticed Inspector....colour of her hair. Husband....Changes according to the season Inspector ....what was she wearing . Husband...not sure probably trousers and top or a dress.
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