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    • Ok, so as you have been overcharged you now need to be pragmatic and first of all request a refund by making a complaint.  In this first complaint do not go on about what argument you had and what conduct the inspectors were following.  Concentrate on highlighting the fact that you must get a refund because they overcharged you.  People looking at complaints receive thousands everyday and anything longer than a few lines is usually misunderstood.    After you receive your refund, then you complain about the conduct of the inspectors,  as a completely separate matter. I note that you were offered a refund, an argument broke out and you were escorted out of the station. This will not play in your favour as all inspectors would have taken note of this in their notebook and possibly complete an incident report form with their version of events. Frustrating but that's how it is, that's why I said to be pragmatic. 
    • agree with DX100uk on the reply. Every time I have replied or complained about those firms to the FO and FCA they take an age to come back and even then its with nothing new as they cannot do anything. for what its worth my debt is over 70k and even that has been inflated ! so no worries there. There are many thousands out there in the same situation.   In regards to COB and even Stepchange don't even bother as they have no idea themselves something which I complained to the FO about as CWD and IDR use in there letters to seek advice when they know full well that no charity or debt company know anything about the debt in dubai situation so this is again unfair to be using this. what also annoys me is that nobody ever signs off letters its IDR or Moriaty law etc !!!!    I have never supplied my financial details and never will and only when and if and I will repeat when and if that the debt i owe is purchased by a UK firm or indeed taken through the correct channels or courts then I will defence myself.   It makes me alugh that they think a small c;laims court understands everything that goes on and dont understand the full picture of laws that are broken and sometimes human rights also.   The best one to date for me was in 2011 imagine my new job and my new partner and some stupid collection agency in Dubai send a Fax to my director about my debt !!!! embarrassing but at the same time good to get it off my chest. they then called my partner in her work !!!! (yes this was the first time she found out about everything again good to talk) against the law, against any laws but this is how the banks and the agents work similar to those of CWD, IDR and I think Moriaty    dont pay a penny !  
    • Andy, thank you so much for your help. dx100UK  the date is 25 Jul 19   Is it ok to send now?
    • Your Rent. Bills. Council Tax etc 99.999% important.  Moriarty  0.001% important. Don't take food out of your kids mouth's to pay them.
    • Dx: half the comments they have put are not relevant or apply to anything we have stated. So not about to throw the towel in just yet.
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Bigglesw

Divorce and asset split

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Hello

 

I am very confused not least because my wife has walked out on our marriage after 35 years and apart from the relationship upset there is a considerable amount of property in the mix. Unfortunately she left in the last tax year so spousal transfer without CGT is going to be a massive problem.

 

I have spoken briefly to a solicitor but he just confused me even more. I have no issue with the relationship split but the business split is going to be complicated for all sorts of reasons not least CGT.

 

My wife and I are on talking terms and are both keen to get this done smoothly and cheaply. Is there any alternative to using a solicitor?

 

We are business partners already and we are both happy for that to continue without disposal or divvying up the properties.

 

Any suggestions greatly received>

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" Is there any alternative to using a solicitor? "

 

Not if there is property involved Bigglesw as you will require Court Orders.

 

Andy


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What do we need court orders for? Can't we just divorce and continue to run the business each drawing our share? The business is better as a whole than it is in 2 halves. Breaking it up / down will destroy it I fear.

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Then you will need some form of court orders with regards to the property split..I never mentioned splitting the business

 

So back to your initial question.....

 

" Is there any alternative to using a solicitor? "

Not if there is property involved Bigglesw as you will require Court Orders.

 

Andy


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There are good reasons to use a solicitor (well, 2 solicitors, but I'll come back to that).

 

Your reason for not using a solicitor appears to be:

a) concern of cost, with

b) there being no dispute as to division of assets.

 

If things were disputed, you'd probably use a solicitor, and expect it to get expensive. However, the expense would come from the increased work due to the dispute / argument .....

 

If you and your wife go to a solicitor having agreed on a division of assets and agreed a divorce, the solicitor doesn't have to get involved in disputes : only draw up the papers for the division of assets.

The risk of not using a solicitor and getting it wrong, then it getting costly to resolve means it is probably sensible to use a solicitor.

 

The solicitor can't represent both parties in a divorce. Get one solicitor to draw up the papers, acting for one party, get another solicitor to check the papers for the other party (again, keeping cost down by it being non-contentious...)

Money wasted?? Possibly, but it protects both parties .....

 

It is all agreed, fine & dandy currently.

Then one party meets someone else, and the new partner "leans on" the divorcee. "It was unfair" they say, "there was duress!", and the divorcee has to argue with the new partner or go along with it.

However, if both sides used their own solicitor: much harder to claim there was an uninformed decision made under duress.

 

So, given the major expense results when solicitors are used arises when the 2 parties are still squabbling : using 2 solicitors to implement an agreed structure to a divorce can save money in the long run.

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35 flats!

 

With that kind of money at stake I would definitely use a solicitor. The consequences of doing a DIY job and getting it wrong could be pretty bad.


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