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    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
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    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
    • That doesn't look like clacton ... Former Brexit Party leader Nigel Farage buys coastal home in Lydd-on-Sea WWW.KENTONLINE.CO.UK Former Brexit Party leader Nigel Farage bought a coastal home in the county, it has been reported.  
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Advice needed please,bankruptcy


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Hi this is my first post and im in need of some serious advice concerning my ex wife and a joint mortgage.Basically this is what has happened to me over the past 3 years.I left my ex wife and moved out of our house,in the time we were split up but still living together i put the house on the market but she decided that she wanted to stay in the house and pay for it herself(at which time she was working).So i moved out and let her pay for the house herself on the promise that my name would be taken off the joint mortgage.Over time this never happened and she quit her job thus meaning she couldnt afford the monthly repayments,i now have a new partner and place to live,so now she/we are £7k in arrears and the bank are wanting to reposess.Now she is talking about going bankrupt,i dont know anything about this subject and need to know what effects it will have on me? And is this the best course of action if not what else can be done?

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Hiya and Welcome to CAG,

 

If your ex goes ahead with bankruptcy then yourself will be solely liable for any arrears etc with the property.

 

Have you been to see your mortgage provider to explaint the cirumstances and see if there is any resolution?

 

Is there any equity in the property?

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Hi there,she is in constant touch with the bank and they are trying to help but she doesnt seem or want to work?...The property has negative equity and this could be,if reposessed in the region of 30k.I have spoke to the lender but i cant afford to pay nor want to pay towards a house where iam not living in also i have my own place with my fiance.The bank have sent her a form to fill out which wants both of us to list our income and outgoings,should i fill this out and let them into my personal financial circumstances?...She is getting help/can get help from the government,around £350 per month which gets paid direct to the lender but this is only half the monthly payment.So they keep on adding penaltys to the outstanding balance....!

Why would i be solely liable for the outstanding arrears?this is difficult to understand,it means she gets away with no debt but id be lumbered with her arrears....?

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if they want income and exp there are looking to see what both of you can afford to pay

 

if you ex goes BK and is on benefits then she will have little monies to pay the trustee which means any outstanding debts that are in joint names, the lenders will then seek repayment from you .

 

any joint debt mean they can persue either or both but if your ex goes BK then will will look to you for any arrears and or shortfall

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Firstly thanks for all the advice...Is that because iam working?..it all seems very unfair and im going to be the one that suffers most from this.Also reposession is an option,that would mean both of us liable for any outstanding balance? In your opinion what would be the best solution for me and her?

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Firstly thanks for all the advice...Is that because iam working?.. they will try and recover the monies from the best person in their eyes it all seems very unfair and im going to be the one that suffers most from this.Also reposession is an option,that would mean both of us liable for any outstanding balance? as above you would both be liable but if your ex is on benefits aand or goes BK, they still would want the monies from you In your opinion what would be the best solution for me and her?

 

I can not honestly advise you the best option to take. This is one of the dangers of not 'sorting out' things when partners split.

 

you could also ring national debtline as well for any further advice or CAB in some cases.

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