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Found 94 results

  1. Hi I have a joint account with Barclays that I opened with my ex. I split up with my ex more than 18 months ago yet she is still refusing to close this account. Help please! My ex claims that she will not be closing the account as she is struggling financially and seems to think no arressment or freezes can be put on a joint account. Since we split there has been 500 loan applications made according to my credit file!!!!!!! Lost and would appreciate any guidance please. Many thanks F
  2. Greetings, this is my first post and Im hoping that I may find some help Im divorced from my wife and a while back she randomly rang me to ask if I had received a cheque? I managed to find out that she had employed the use of the claimsguys company and they found a PPI on a joint loan we had years ago, her cheque was for just shy of £20k, she had rung them and they confirmed that this was her 50% and not the entire settlement I rang barclays bank that the loan was with and they went through it with me, explaining that yes indeed the had applied and then been awarded 50% of the total claim, there was a 22K policy applied, and the total sum awarded was £39673.80 the problem Im now running into with them is that they keep telling me different things, 1 call resulted in me being told that they simply had to issue a cheque for my half and to wait for it, then another call I was told that the case was closed latest news is that her claim was upheld and she awarded 50% of the settlement, but I wouldnt be receiving my half?? what do I do to fight this?? its a serious amount of money, more than I earn in a year and as a now single parent it would change my life many thanks edit to add her claims company have rerally tried to get her to tell me to contact them, but I found out that she lost over £7000 in fees OUCH.. if I can sort this without them, I would be far happier
  3. If a couple have a joint JSA claim and the one who doesn't sign on (i.e not the lead claimant) goes abroad for a few weeks does this trigger migration to UC, either on leaving or returning?
  4. Hello all, My daughter has a joint account with her ex that she wishes to have her name removed from but the Bank/Halifax are making it difficult. Her ex left earlier this year and moved back to Scotland and left her with debts and a load of other problems which she has slowly managed to get sorted. She had to give up her courier job to look after the two children(6 and 4 yrs) and so has had to claim IS. However, due to this joint account the IS people are making it difficult to get the benefit and this has been ongoing since March. After many calls to the IS they said she would have to make a new claim which she has now done so has to get around the Joint account problem. Noe the bank says there are only two ways she can get her name off the account and these are, 1] she has to go to Scotland and sign a joint application paper to have her name removed as both parties have to go to the bank and sign the same time. She really really does not want to do that, 2] The other way is to actually get him to close the account and has he is out to cause as many problems for her as he can the chances here are probably a big fat zero. So, is there anyway that she can get this account closed/ name removed other than what the bank has said. She really wants it closed as to protect herself from any debts he may run up. The other question is now she's made this new IS claim will they take it from the date of the claim or will they back date it to the start of the original claim. Any help/advice is appreciated
  5. Hello, as embarrassing as this is too say, I’m in the same position as you. the police weren’t contacted and I didn’t sign anything/take photos that said I consent to my details being shared to the police etc and I wasn’t told they’d get involved. I wanted to know if you’ve gotten an invite from them yet? Also I think I’m gonna pay my fine cause I don’t want the hassle of receiving the letters and having a family member see them; have you received lots of letters?
  6. I hope someone here can give me some advice. I am divorced, living in the marital home which has a joint mortgage and a joint secured loan. My ex husband is living with his new girlfriend in her house and is making 0 contributions to either the mortgage or secured loan. I am currently paying the £1200 per month on my own. As I am the one living in the house with my son, my ex knows the mortgage company and secured loan company will lean on me rather than on him to make payments. I have been going on for 5 years like this with no contribution from him. My ongoing problem is I can't get him off the joint mortgage , (I can't remortgage on my own, due new mortgage lending criteria they say I can't afford it, although I have been paying it for 5 years on my own) Every 2 years when the current mortgage deal expires I have a problem getting a new deal sorted out as my ex is obnoxious and won't fully cooperate. He now says he won't agree to any new deal to force me on to the standard variable rate which could potentially mean I won't be able to meet the repayments anymore. So although he no longer lives at the property and makes no financial contribution towards it, he seems to hold all the cards to potentially make me loose the house, is there anything I can do ?
  7. Hello everyone, I'm currently a single mum of 2 and claim working tax credit and child tax credit. My boyfriend and I are thinking of moving in together (him moving into my home). I said I will inform Tax Credits accordingly and make a joint claim once he moves in. The problem is, he has made it very clear that he will not provide proof of his wages etc (it's his privacy). He said that he wants to provide and we won't be eligible for anything so I should just call them and close my claim. My question is: Can I just call to say I wish to end my tax credit claim as my boyfriend will be living with me?. Will they not ask for his employer, salary details etc? I don't want to end up with an overpayment. Also, is there a best time to close tax credit claims because my friend said that I should wait till end of tax year April or July? Really confused so any advice would be appreciated. Thank you.
  8. I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgements were different, and on his default judgement it stated he'd paid £1, which he hadn't - it was my £1 from my DMP). I subsequently applied for a redetermination as I thought we would each submit budgets and he would start his own DMP and we could get the monthly payments reduced. The redetermination hearing is next Wednesday and states both me and my ex as defendants. My ex is long term unemployed, on jobseekers allowance and housing benefit. I am 58, self employed, on a low income and in receipt of working tax credit. Neither of us has any property, savings, assets, insurances, or anything of value. The debt is the second smallest on my DMP (total debts £24.8k). My ex is furious that he now has a CCJ and refuses to attend the hearing and refuses to do a budget. I feel responsible for sorting out the mess. My girlfriend has now offered to pay the claimant in full & final short settlement if the claimant will agree that no further liability is due from either party. Total being claimed is £461.80 plus £107 costs, so £568.80. After a couple of offers and counter offers, Restons said on 22nd Nov they would accept £422.85. I offered £400. Restons say they are waiting for Arrow to decide whether to accept my £400 offer. They're both dragging their feet unnecessarily I feel. Since it's less than 5 days before the hearing it's too late to apply to "vacate the hearing" so I must attend the hearing, alone. I need to email the court to tell them of this new development and also include authorisation from my ex. I want to email the court today or tomorrow latest to tell them about my offer, also including email from my ex authorising me to do that, also that the delay is down to the claimant. How should I word my email, how should my ex word his email, and since its a redetermination hearing that I applied for, how will the offer of short settlement affect the hearing especially since my ex won't be there. I know I ought to have sorted this out sooner but I have ADHD and also long-term depression, which makes life difficult sometimes. When I originally got into debt, before my DMP, things got so bad that I had a breakdown I'm better now. I've spent hours and hours looking up civil court procedures, protocols, practice directions, legal processes, advice websites, CAB signposted me to RCJ free advice session and they suggested I attend the hearing with my budget, which I will do. I just need to know how to handle communicating with the court about the changes, and at this late stage I can't afford to make any more mistakes. Any relevant advice much appreciated. Many thanks
  9. Hello, I was recommended to post on this site and time is also not on my side! I appreciate any input and advice, thank you a) I went insolvent in September - since the date, I went to the HSBC branch with my wife to remove my name from the joint account and sign over responsibility to my wife as a sole account holder (including overdraft £900 and joint consolidation loan £326p/m on 18k). She did IE sheets and was telephoned across, approved, and we signed. The joint loan was part of my bankruptcy I understood it that my wife would take responsibility of that, hence going to branch and doing this. b) Since then, she was issued a final demand notice out of the blue, claiming default on arrears (there are no arrears, never have been) and 18 days to settle balance in full (£18k). No mention of any BR, just a final demand which is inaccurate in it's detail for the reasoning - and as it transpires, resolving it. c) 3 days of calls, and about 5 hours of speaking and on hold between departments because nobody seemed to know what was going on, we were told by the Financial Guidance Team to do nothing, let it ride out as they needed to charge off the account because of my bankruptcy - they'd even refund the latest payment which was automatically made after this demand letter. But doing this, of course would result in a default marker for my wife. and the recovery department would be in touch to collect the debt. Not knowing who to believe, I was passed to the 'insolvency team' who told us that my wife must get back in touch with the Financial Guidance Team, do a I/E and set up a repayment agreement BEFORE the 18 days. Needing clarity, and being frustrated at being told different things between departments (as well as being emotionally crushed, not to mention the psychological damage of listening to that HSBC hold music), we went to branch to have someone work with us to resolve. She made a call to the department on the final demand letter, who also said - get in touch with the Financial Guidance Team to do an I/E and set up a payment plan, if she does that then the default will not be passed to the CRAs. She put us in a room to make a call to the Financial Guidance Team, but then the whole fiasco started again... d) The Financial Guidance Team are adamant that they will not allow a payment plan. One guy we dealt with even went through a I/E with my wife but then came back after speaking to his manager, sorry, actually, that this isn't possible. I have spoken to the Manager who also insisted that it simply is not possible to set up a plan because of my bankruptcy, the account needs to be charged off. Period. I have argued that this goes against the terms of the loan in that she has not had the opportunity (actually denied!) to resolve this and she is being forced into default unfairly. The original contract has a clause about calling in the loan if bankruptcy happens to any party, but there is a line also that states that such action won't happen without notice and an opportunity to resolve, which is what I believe is being blatantly breached here. The manager raised a complaint for me - I have the reference number and intend to follow this up with my version not knowing what the complaint that he has raised references. Even after I spoke to the manager (who I suspected had either got this very wrong or has is own agenda), I asked to get put through again to the insolvency team again, who again stated the same - 'speak to the Financial Guidance Team' and get it sorted before the 18-days! Stalemate. My final call with the Financial Guidance Team yesterday, I spoke to a very nice woman who looked into everything and took it upon herself to speak between departments, not me, and get back to me. Her news: anyone who has told me that you could set up a payment plan is incorrect and has probably not understood that the final demand was generated because of my insolvency (even though the final demand says nothing of the sort - it even gives a reason it has been sent which is due to previous notice of arrears [not true]).. . the insolvency team I was repeatedly passed to was the 'wrong one' based in India, not in Birmingham... and apologies for the mix up but 100% we cannot set up a payment plan, the account needs to be charged off and your wife will have to speak to the recoveries people after. e) So what now!!? For our efforts, we are totally unable to resolve this through a payment plan, it's 18K or default. I have a complain reference number. They say that expect about 4 weeks for a reply to the complaint but maybe up to 8. I understand that I cannot do anything with the Financial Ombudsman until I have a reply (or 8 weeks). To recap - my issue is that my wife is being forced unfairly into default with every effort and the ability to repay with amounts of the original agreement. a black mark on her credit reference with a default. Plus, we have no idea even if there is no escape from this situation, what demands will be placed by the recovery department (i.e. currently the loan is 60 months at £326 p/m). But then, if my wife has a black mark anyway, what options are there for her to make a reduced offer or anything of that nature? We're in territory that we didn't expect and don't really understand. Perhaps naively, we expected the burden of the joint loan to simply fall on my wife, not being called in with a £18k demand. I'm also unsure what to do in the interim - if I'm raising a complaint, do we get any period of grace here - do we commit to whatever collections dept gets in touch after, or hold them off? Any help is very very very appreciated - our 18 days is up on 3rd Nov, and we've wasted a week speaking to them on the phone and getting absolutely nowhere! Thank you
  10. Hi, My partner and I are considering moving in together. I am currently on Income support as I am a carer. He is currently on Income support as a single parent to a 1 year old. If we moved in together, could we claim Income support as a couple or would he be expected to change to JSA or something else?? Thank
  11. My neighbour found out recently that money had been syphoned out of his current account, as the bank had linked his current account with a business account which the neighbour was not aware of. Subsequently, £15k has been removed over the years by the old company director. Natwest have investigated this fraudulent activity and state that they are not liable. My question is this: Are Natwest liable as they failed to inform the customer of the joining of the accounts? Is there any avenues of complaint other than the bank and financial ombudsman which is not worth its title?
  12. I need to find my joint tenant that owes me money. I need to know the best way to get this money assuming he does get a CCJ. Background I moved in with a "mate" on fixed term joint tenancy and we agreed on 50/50 split for rent & bills. My "mate" lost his job a couple months in so could not afford his share of the rent. He said (I have email with this too) that he would pay me back once he got a new job. He borrowed some money from family and made some contribution but not the full rent. I had to make up the difference to LL. I had to borrow some money from my bank to cover this. He got a new well paying job but then decided to "forget" his promises to repay his share of the rent. However, ongoing rent was paid 50/50, same too for bills (except the final ones). We agreed to give notice to LL/LA that would leave end of fixed term. Two weeks before he moved out leaving keys. LL/LA did check out and there were valid deductions for professional cleaning and some small damage to curtain pull cord in his room (I didn't check before the inspection, he wasn't present.) There are also outstanding amounts for the council tax and gas/electric/water bills. Main issues This "mate" has disappeared, unfriended on Facebook, not answering personal mobile, personal email, no forwarding address. This was about a month ago. I'm assumed he has found a new place to live "permanently". I haven't yet got the final figure for the council tax, I've informed them I've moved out. Not sure how to get that finalised quickly. I'm owed approx. £3500 and I believe his new job pays about £4000/month net. (I helped him review his application for his new job.) I'd like to take him to small claims but not sure how to get his address to serve papers. I have his bank account number and I have his business card with work address. He is Italian from Milan. Although I'm sure he is still in the London area (I've seen his twitter feed) and working for this English registered company. I'm concerned if he does get a CCJ that he will skip back to Italy - then what? Also not sure best chance to get money back, I don't think he has much of value and probably owes family for past rent too. I'm thinking attachment of earnings but also maybe bankruptcy, or even DCA?
  13. Hi all Have applied for UC and soon have our interviews. OH is self-employed and works part-time. She doesn't drive, which severely restricts the number of clients she can take on. Should she face sanctions for failing to increase her business, how does that effect our claim overall? Does it just impact on the joint monthly standard allowance? Does it impact on the child element?
  14. A guide to the Joint Casualty and Compassionate Centre READ MORE HERE: https://www.gov.uk/government/publications/a-guide-to-the-joint-casualty-and-compassionate-centre
  15. Joint Casualty and Compassionate Centre (JCCC) Guidance: READ MORE HERE: https://www.gov.uk/guidance/joint-casualty-and-compassionate-centre-jccc This information is relevant to Serving Personnel & Next of Kin / Family Members.
  16. Hello Everyone, This is a piece of advise for my mother who is currently going through lots of old paperwork. Back in 1990, she and my grandfather bought a house between them, both named on the mortgage with the Nationwide. Both her income and his pensions (he was 70 at the time) were used to get the mortgage. Both had to have Decreasing Term Mortgage insurance linked to the property in the event of either of them dying as it would clear the mortgage. In 1992 my grandfather died and whilst dealing with his affairs, my mother (and I as a teenager) visited our local NW branch where we were told that the mortgage would be cleared in full due to his death. The amount at the time was circa £20000. This was a Friday afternoon and I clearly remember how relieved my mother was as this was a huge pressure lifted off her mind. Our home was secure. We had been asked to return on the Monday morning following which we did. On arrival my mother was taken aside and apologised to by a senior member of staff. There had been a mistake. Due to my Grandfathers age (72) the insurance would not pay out as he was not covered. The premiums were up to date and like I said the policy was sold less than 2 years previously. Apparently he should never have been sold the insurance policy due to his age at the time of taking out the mortgage. My mother was very upset and the member of staff apologised again stating that due to the mistake, the NW would refund the policy payments made. It was a few hundred pounds and no where near the £20000 she was expecting to be getting paid out that day. And that was that. Back then with no internet and my mum was a lay person, she took what the NW said at face value. She was a long standing customer 15+ years at the time and trusted the staff to know what they were saying - even though they had messed things up big style when selling the policy alongside the mortgage less than two years previous. Ive tried looking online but to little avail as this seems quite a rare instance nowadays. Can anyone advise as to the best way to try and gain some redress with this issue please? I think it was handled appallingly and NW should have swallowed the mistake back then. Thanks.
  17. Hi Hopefully someone can give me some advice concerning the above. My husband had an account with the Natwest even before we were married in 1981. When we married he added my name to the account. Over the years my husband has used this account himself and I have my own bank account. My husband unfortunately passed away suddenly on the 19th of January this year which has been really traumatic. My husband had a £2,800 overdraft with them but I have been told that because the account is in joint names the account will go into my name and someone will write to me (basically debt collector) to work out how much to pay them. I know they are well within their rights to do this but as I have hardly used the account it is annoying and I cannot afford to be making payments to pay off the overdraft. My husband died relatively young at 63. Has anyone advice or been through this situation before? Do you think that we take a one off payment and how much would it normally be do you think. My Dad might be able to give me £1,000 which is good of him because he also paid for the funeral. Many thanks in advance. There is a lot I have had to deal with recently and I could do with some help. My husband was the mainstay of our family and now he has gone its like I am on the edge of a cliff waiting to fall.
  18. Can HMRC legally accuse a man of making a joint claim with his wife for working tax credit if he has never filled out his part of the application form and never signed it?
  19. General question - if you hold a joint account, and one of the account holders dies, how much of the joint account would be considered part of the deceased's estate, for Inheritance Tax purposes? Example 1 Husband and wife have a joint account of £100,000; husband dies. Is £50,000 considered part of his estate, and the other £50,00 considered as just a part of the wife's assets? Example 2 Husband, wife and two adult offspring have a joint account of £100,000; husband dies. Is £25,000 considered part of his estate, and £25,000 considered part of each of the 3 dependants' assets?
  20. A guide to the Joint Casualty and Compassionate Centre can be downloaded. READ MORE HERE: https://www.gov.uk/government/publications/a-guide-to-the-joint-casualty-and-compassionate-centre
  21. Our landlord is revenge evicting us after we pushed for repairs to the property. On reviewing our tenancy documentation it is clear the agent he used did not provide all the prescribed information required. We want to sue for the deposit return plus penalty award. We are aware the landlord is ultimately responsible but the agent signed the deposit scheme forms and managed the process. We feel the landlord may suggest it was therefore not their fault and minimise the penalty whilst the agent deals with many properties and our expectation of going thru them was for due diligence and process to be followed which warrants a higher penalty. So we want to sue both parties . Is this advisable and if so, how would any award by the judge be applied? As a relevant factor, we are suing in respect to the original deposit against a tenancy agreement for 12 months in 2013-2014. We signed another 12 months 2014-2015. From what I've read elsewhere it appears we can sue twice ie for the failure to comply with the PI of the 2007 Order for the first agreement then again for the second agreement . Indeed that 2nd agreement then rolled over to monthly renewable so is that a 3rd instance of noncompliance? So the deposit amount is£1200. We wish to apply for the maximum penalty of 3x 1200 being 3600 plus the deposit of 1200 making a total of £4800. And if this apples for both 12 month terms then the total settlement is £9600. Is this correct?
  22. Hi all, my daughter has received an Interim Charging Order for a £2700 debt incurred by her sister, jointly named on the paperwork. She has no knowledge of this, and also, Lightfoots appear to have obtained this order by using Land Registry search and she has received absolutely no other communication. She has no CCJ's showing on her credit report, but we have found other defaulted loans she knows nothing about. However, TFS isn't one of them. She is paying her mortage on a house with negative equity, having been left in the lurch by her former partner, so the mortage is still in joint names as far as I am aware. The covering letter gives her 28 days to respond, what should she do please
  23. My soon to be ex wife has given my business partner copies of my personal bank statements. Background: there were a couple of financial errors within our company accounts which were my fault and have since been resolved between myself and my business partner. Issue: when the issue arose, my business partner went to see my estranged wife, whom he knew had access to our old joint account, which by agreement I was using as my own personal account for the time being. When he asked her for the information, she printed off all statements and gave them to my business partner. Baring in mind that her name is also on the account, I am asking if she had any right to firstly access the information and secondly share the information without my consent. Thank you in advance for any help
  24. I want my name removed from a joint bank account or the account closed. It is with TSB and has a £0 balance. Despite it being that either one of us can close it I have been told today that it can't be done in the usual way as there is a 'restriction' on it and it will need both signatures. Can anyone explain what that means? I have a sole account with TSB that is in credit and have no other debts or loans with them. Could it be that my ex has another account or loan with them that is in debt? That's what the customer advisor seemed to think was the reason but wasn't sure. I am not in contact with my ex and have no desire to be, plus I know they would not sign anything. Is there any other way around it as I don't see why I should be put in this position. Thanks in advance. Just thinking.. .could my ex have changed it to needing both signatures without me knowing? At the time is was the only bank account I would have been able to use after we split up . Instead I opened my own account. Could he have been hoping that I would be unable to open an account of my own and had to use that one so he could monitor what I was doing and have access to it? I know it sounds far fetched but you couldn't make up the things he has done and I've found out about them. It was a 25 year long abusive relationship and he controlled and manipulated everything.
  25. Hi Guys Don't know if this is right area but, here we go..... Firstly thanks for all the helpful posts £60,000 of unsecured debt in default and 6 years down the line a clean credit history...... A friend has an issue he needs advice over:- Some time ago his limited company got into trouble. He was supplying the banking sector and when the banks crashed his customer base disappeared overnight, he mistakenly paid off his creditors leaving a overdraft of around £20,000. The bank could see he was in trouble and asked for a second charge on his property when his partner refused HSBC called him in and sold him a managed loan to pay off the overdraft. He maintained payments till last year form his own pocket as the business wasn't trading in any way. The current balance is around £4,000. His new accountant looking at the situation suggested desolving the company and this was done, at this time he wrote to the bank explaining the situation and notifying them of financial hardship, since then all they have done is tried to bully him into payment. He believes the original loan to have been mis-sold as affordability checks would have clearly shown he had no income (after all this was why he had been called into his branch), also the loan wasn't offered it was thrust at his as a no option situation. We have been through the financial ombudsman route but because the company doesn't exists as a legal entity they can look at this!!:mad2::mad2: What everybody missed was a Joint and several agreement, that he doesn't recall signing let alone having explained. This was signed by another Director and himself, he doesn't know the whereabouts of the other director having fallen out several years ago. The bank have now placed it to a debt collection agency who are attempting recovery of this business debt under the terms of the joint and several agreement. We have done a SAR and they do have the J&S although HSBC have admitted that they can't at this time produce the original loan agreement. My Questions.... 1/ As this is a business debt, are they able to mark his personal credit file? 2/ it is my guess that the J&S although legal is a civil matter and a court ruling (judgment) is required before his personal credit file can be marked? 3/ Is there any useable defence against the J&S? 4/ Being that he has personally re-paid 75% of this loan from personal funds could he tell them to get the rest from the other director who signed the J&S? 5/ Can we use the lack of loan agreement to default HSBC and stop recovery in the same way as we would for a CCA? 6/ Could any of his personal assets be at risk, without this going to court? Thanks guys, i know you will come through Regards Dave
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