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  • #1

    OH debts and any help apprecited!

    Hi Everyone!

    Glad I found this site.

    My oh has finalised his divorce earlier this year and now the fallout begins.
    Credit files gotten-

    Default April 2012 - Tesco Loan - credit agreement June 2004 - £3374 - still in house with Tesco
    Default July 2011 - HFC Bank - laptop loan - £148!! (I know!) credit agreement 04/01/2008
    Default July 2011 - Northern Rock Loan - credit agreement Nov 2011 - £9356
    Default June 2011 - Lloyds TSB - current account overdraft £5530 account says it started in July 2009 (nearly a year after separation) but joint account opened in 1995 with ex wife.

    After essential outgoings he has £300 left to service his debts and thats with us on an interest only mortgage at mo.
    Luckily I make enough for us to socialise (and save on my part)

    We want either DMP/help/advice/what best steps are?
    He has acknowledged these debts recently as he attempted to set up self managed DMP but finds he underestimated his outgoings.

    The only Credit agreement we have is the one for Tescos.
    Tags: 2012, account, bank, bank account, cca, cca request, charges, con, date, debt, debts, default, default removal, defaults, divorce, dmp, experian, fire, help, hfc, information, interests, lloyds, loan, mortgage, mortgages, northern rock, overdraft, overdrafts, paid, ppi, removal, repayment, templates, tesco, thank you, tsb, unenforceability, unenforceable
  • #2
    Re: OH debts and any help apprecited!

    and no- his ex has no intentions of contributing towards the joint debt, run up by her and her alone!

    Comment

    • #3
      Re: OH debts and any help apprecited!

      Hi

      Acknowledgement means making payment, traditionally.....

      If he has not paid then it won't be acknowledged....

      Regards the actual debts, can you clarify the exact start date this is the most important element....

      Thanks
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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      • #4
        Re: OH debts and any help apprecited!

        Originally posted by DangGina View Post
        and no- his ex has no intentions of contributing towards the joint debt, run up by her and her alone!
        joint debts (ie bank account and/or loan) will be due by either/or so he could just 'vanish' hence leaving the ex open to repayment.....

        * did I really just say that
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #5
          Re: OH debts and any help apprecited!

          Right

          Exact dates (from Experian report)

          (MackHall pursuing) HFC 04/01/2008 £138 default balance default entered 30/07/2011
          (AIC pursuing)Northern Rock 10/11/2006 defualt balance £9356 default date 27/07/2011
          Tesco 02/11/2004 default balance £3374 defualt date 02/04/2012
          (wescot pursuing) lloyds 01/07/20069 (must have been when overdrat was extended by ex but he did not consent to this) default balance 5530 date 07/06/2011

          He reclaimed the charges from lloyds citing hardship and received a cheque for half of 1800 last year.

          Comment

          • #6
            Re: OH debts and any help apprecited!

            Well luckily the smallest debt is the newest which is not eligible for UE - the others however are.

            I would be sending a CCA to each lender excluding the £150 one.

            CCA here --> Our Templates | Unenforceability Templates | CCA Request

            For the bank account, it's this version here --> Overdrafts - CCA Information - allaboutFORUMS

            Questions, fire away
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #7
              Re: OH debts and any help apprecited!

              I already have the Tesco one, he reclaimed PPI on this late last year.

              I think he wants to settle the HFC asap, but would like to attempt negotiating the default off his file.
              Does he even have a hope?

              If any of these are unenforceable then what does he then do? nada?

              Comment

              • #8
                Re: OH debts and any help apprecited!

                Originally posted by DangGina View Post
                I already have the Tesco one, he reclaimed PPI on this late last year.

                I think he wants to settle the HFC asap, but would like to attempt negotiating the default off his file.
                Does he even have a hope?

                If any of these are unenforceable then what does he then do? nada?
                Defaults will never come off, anyway having one is as bad as having 21..... it's a guarantee that they will not agree. Tesco do not entertain such thoughts, so forget default removal...

                I explained this for another poster recently - hang on I'll find the thread that explains it all.....
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #9
                  Re: OH debts and any help apprecited!

                  Originally posted by Never-In-Doubt View Post
                  I explained this for another poster recently - hang on I'll find the thread that explains it all.....
                  here you go ---> Default Removal - allaboutFORUMS

                  Have a mooch.....
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #10
                    Re: OH debts and any help apprecited!

                    Ok thank you!
                    I suppose then he will have to live with them, for interests sake mortgages will have to be taken out in my name only so ho hum.

                    What do I need to look for on the CC agreements then? I hav the Tesco one in front of me.

                    Comment

                    • #11
                      Re: OH debts and any help apprecited!

                      Originally posted by DangGina View Post
                      Ok thank you!
                      I suppose then he will have to live with them, for interests sake mortgages will have to be taken out in my name only so ho hum.

                      What do I need to look for on the CC agreements then? I hav the Tesco one in front of me.
                      Have a read here ---> Unenforceability Diaries - Read me First! - allaboutFORUMS
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment

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