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    • Hi all   It's been a long time since I've used this site, I used to be a frequent poster, mainly in the parking subforums.    I'll try and keep this as concise as possible, although it may get a bit confusing, so apologies in advance.  Also I hope this is the right subforum for such a matter, but I couldn't see anything more specific for divorces/family law.  So here goes..   My now ex-wife and I divorced last year, after our relationship broke down due to irreconcilable differences.  She initiated the divorce proceedings so was the petitioner, I was the respondent.  We informally agreed early on that she would stay at the family home (I moved out), and buy me out of my share of the house and contents.   We went to family mediation and hashed out an agreed settlement figure that we were mostly happy with.  A lump sum for the house and contents, plus she would give me the money to pay off several loans for goods on hire purchase that remained in the house, as the debts were solely in my name at the time.    I did not contest the divorce on any point, except she wanted me to pay the court costs of the divorce (£850) since she blamed me for the breakdown of the marriage.  I objected to this on the financial paperwork, stating that I was not the petitioner, plus the cause of the breakdown of the marriage were not due to adultery or domestic abuse.    The financial court ruled against me, meaning the £850 would be deducted from the final settlement figure.  I was looking to appeal against this decision which would have delayed the proceedings by several months, however in the meantime I was able to make an agreement with her solicitors to split the court costs 50:50, so we would in fact be paying £425 each.  They sent this offer in a letter headed "Without Prejudice", stating that if I was agreeable, they would submit an amended financial order to the courts with the amounts amended so I would only be paying £425 instead of £850 towards the costs.  I responded to this in writing and signed the form they sent me, initialling where the amount was changed on the financial order.   This is where it gets a bit tricky.  They then resubmitted the ORIGINAL financial order to the family with the £850 deduction still on it and promptly stopped responding to my calls and emails.  My ex wife has now paid the settlement figure, with the £850 deducted rather than the agreed upon £425.  It's a bit of an odd situation as my ex paid me basically exactly what it says on the court form, even though I made a different agreement with her solicitors.  I feel they've been dishonest in this case, whether intentionally or not but it's still left me over £400 out of pocket.    My question basically is this?  Do I have any legal recourse options available to me against the solicitor?  Does the fact that they headed the offer letter "Without Prejudice" mean that they can basically go back against their word and not honour an agreement that was made in good faith?  I've been doing my own research into this subject and it's a bit of a minefield, but I'm wondering whether I've got grounds for a complaint to the Solicitors Regulatory Authority, or possibly even pursuing them via the Small Claims Court?   Any thoughts?  If you need any more information or need me to clarify any particular points, please let me know.   Thanks in advance CD
    • That IS the question HB.   My literal quote isn't surrounded by additional perspective I commonly add and was shown as is.       "64% of the UK’s trade with all the countries with which the UK is seeking continuity,"   * It seems a given that Johnson is not seeking continuity with the EU HB   * Undoubtedly the reality is they just mean 64% of continuity with the handful of African nations that the reference was in despite it implying something else   In which case, a more accurate statement than that presented by Johnson the Liars representatives would be:   We've managed 64% continuity with a small group containing a small handful of African nations which are a small part of Africa as a whole and an utterly tiny part of world trade   and presumably, as they have singled that out for special mention to give their chosen implied perspective ... - that 64% continuity (a little over half we have as part of the European Union) the best 'continuity' deal they've managed so far with any county or block.   It certainly isn't 64% continuity of even JUST the external to the EU beneficial trade we have as part of the European Union let alone replicate the benefits with the rest of the EU   and Don't forget thats just continuity - carrying on what we currently have - and not any new or additional/improved deals  
    • Can I just ask only because I do panic about stuff like this.  More because of the affect it has on my husband.   In 2014 when my husband was at his worst and NatWest got the charging order on our house (which was then repossessed) we had to stop using our NatWest bank account which we did.  When we signed up for credit reports in January we noticed our NatWest bank account was being reported on a monthly basis so we decided to close it.  My husband and I went into a branch and closed it.  We had 4 accounts, 1 for everyday banking and 2 savings and 1 was the loan.  She said she could close the 3 accounts but obviously not the loan.  She said she’d transfer the money from the 2 savings into the main bank account and give us the money then shut all 3.  We were gobsmacked when she gave us over £1000.  We never thought we had money in the accounts.  Can this be used against us?  The 3 accounts are now shut and marked as settled on our credit file.
    • Thank you for your advice.   As the owner of 2 labradors dog turd is something I have plenty of.
    • Apologies if I've missed something obvious (I know nothing about Facebook) but where do the references to the "club" and the SAR come from?
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
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Konni

Debt Help

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I am new to this so will do my best to explain my situation. Basically I will not have enough money to pay my D/D this month and was wondering if anyone knows whether or not I can take a holiday from paying these bills for a couple of months so that I can try to get myself back on track financially. My main creditors are a loan for a car and a bank loan. Any advice will be gratefully received

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I am new to this so will do my best to explain my situation. Basically I will not have enough money to pay my D/D this month and was wondering if anyone knows whether or not I can take a holiday from paying these bills for a couple of months so that I can try to get myself back on track financially. My main creditors are a loan for a car and a bank loan. Any advice will be gratefully received

 

I would certanly write to the companies concerned, explain your circunstancies etc, request a payment holiday or offer token payments, at the end of the day you have made the effort to contact them and any offer should be accepted, you could also mention this website !

 

Hope you get things sorted.


The retailers worst nightmare !

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Hi Konni

 

I fully agree with Big Boss Man. If you write to them to ask for a payment holiday, the worse they can say is 'no' in which case, you could make a token payment of at least £1 for this month until you get sorted.

I would say that it would go in your favour to ask them, instead of purely miss the payment altogether

 

Thanks x

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You should also cancel the DDs with your bank otherwise you'll be hammered with penalty charges. You can always set them up again.


Anthrax alert at debt collectors caused by box of doughnuts

 

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Thanks for the advice. Have now written my letters and cancelled my D/D's. Had my first response today from my car loan with a satisfactory outcome. They have agreed for me to make a token repayment for the next 3 months to help me get back on my feet. Fingers crossed that all the others are going to be as understanding. Will keep you posted :)

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Thanks for the advice. Have now written my letters and cancelled my D/D's. Had my first response today from my car loan with a satisfactory outcome. They have agreed for me to make a token repayment for the next 3 months to help me get back on my feet. Fingers crossed that all the others are going to be as understanding. Will keep you posted :)

 

Thats great to hear, remember to keep a paper chain and log of all your communication, also use recorded delivery.


The retailers worst nightmare !

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Well have taken advice from this site - thanks to all- but things have gone more down hill since my last visit. I have spoken with a company called Gregory Pennington- AVOID THESE PEOPLE - they told me I had disposable income when I haven't.

I have since spoken to Payplan who were a lot more understanding. They could not offer me any help and they have suggested bankruptcy. I have been to see a money advisor at CAB and they have suggested the same thing. So I now have the petition ready to fill in but still have a couple of concerns. I live in a rented property and have just renewed my tenancy for another year. I have and have never had any arrears with the letting agency can they a) kick us out and b) not allow us to renew the tenancy next year? Also I have had a phone call from another service provider offering us cheaper gas and electricity. Should we leave our current provider, who says we owe £625 and swap to them. We have stopped all D/D to our current provider.

Any advice, as always, greatly appreciated.

P.S I have changed my bank account and had all monies transferred in to it but realise that if I do declare myself bankrupt they may freeze my account but I also have a back upplan for that. Would love a decent nights sleep!!

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I can't see there being any problem with your tenancy or in having it renewed next year, I doubt whether they'll do a credit check as you would be an existing tenant, particularly if you maintain a clean payment record with them. Don't forget most bankruptcies only last a year.

 

With regards to changing your service provider, I don't think your existing provider would allow the change to go through whilst the a/cs are in arrears so really you should come to some repayment arrangement with them. Although this would probably be done via prepayment meters.

 

Nowadays Bankrupts are allowed to have basic bank a/cs in order to pay bills make direct debits and have use of cash machines. Although they won't be allowed to have cheques, credit cards or be able to have overdrafts.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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