Please Help Me

Icanandwillsavemoney

AlwaysHappy wrote: »

I have just read this thread from the start, and just wanted to say how much support you have on here and try to be strong. I am exactly like you - my ex took me to court over custody - he was a bully and I lost over 2 1/2 stone with stress, almost had (????) a nervous breakdown and every time he rang our child all I could do was rock at the bottom of the stairs, BUT, he showed his colours in court, and doesn't even have access. Not a patch on your story, but I have my life back and you need to be brave and get your life back. Phone the legal team tomorrow and get advice - could they not come with you to court? Keep us informed how you get on, we are all wishing you the best!

I am so sorry you had to go through such a bad time with your ex, I fully understand what you are saying. I moved 200 miles away due to breakdown and my ex's stunts and I too lost over 2 stone. It's not fun.

It is just unfair that some people think it is ok to treat people in such a poor manner.

I am so happy for you and your little one, sound like life is so much better for you both following the positive outcome. Well done you.

Icanandwillsavemoney

bouncyd!!! wrote: »

Hi

Just read through your thread and really feel for you. On your original post you mentioned that he transferred the money into your account from his bank, so surely that will provide evidence of the amount that was loaned. Your bank will be able to verify where the money came from so unless he can evidence proof of additional amounts being given to you, then surely that will be the evidence to his solicitor of the amount loaned and not the £5k he is now claiming?

You are an inspiration - don't let him win!

BD

Thank you for your reply.

I have got a copy of my bank statement to prove how much he transferred thankfully. Anything over that is manufactured on his part.

theunknownstuntman

evening ICAWSM sorry to see you've had a crap day. BUT....... just to reiterate what the others on here have said. You have the documerntary proof of how much he lent you AND all the pestering phone calls etc. Let it go to court. They cannot make you pay more than you can afford. It would be the small claims court anyway, not the crown court, so is way more informal.

I know it was a nasty shock, but take a deep breath and keep your chin up lovely. Do not let this pig win. We're all here with you.

AlwaysHappy

Make sure you make that call first thing and let us know how you got on. Will be thinking of you today. Try and stay strong!! I moved 400 miles once we had been to court so that he can't find me - drastic times call for drastic measures but I haven't looked back. If court is the only way to go you have to face it and be strong or the fear will always win.

Buffythedebtslayer

bouncyd!!! wrote: »

Hi

Just read through your thread and really feel for you. On your original post you mentioned that he transferred the money into your account from his bank, so surely that will provide evidence of the amount that was loaned. Your bank will be able to verify where the money came from so unless he can evidence proof of additional amounts being given to you, then surely that will be the evidence to his solicitor of the amount loaned and not the £5k he is now claiming?

You are an inspiration - don't let him win!

BD

brilliant! I was sitting here thinking there has to be a way to prove how much the horrible foul nasty little creep lent you. the bank will have records.

Now its scary hon, I can understand that, even reading the letter I got the shivers, but thats how these things work scare with their officialness.

The court will not make you pay more than you can afford, they are looking for a fair judgement to both parties, you have never refused to pay and kept him fully informed of the payments etc. He on the other hand has harrassed you given mixed messages regarding repayments and now finally lied about the amount he has lent you. You have always offered to pay him. hang on to that.

Now get in touch with your solicitor and talk about what could happen next.

keep posting here and let us know how it goes. remember how far you have come you are doing great!!

xxxxx

Pollycat

Hi
I just wanted to add my support to what everybody else has already said.

I wonder how this guy could have convinced his solicitors that the amount of the loan was £5K rather than the £2K?
I think if it DOES go to court, he and his solicitors are going to look pretty silly.

Keep in touch with us on here.

sparky0107

Hi icanandwillsave.
Sparky from sealed pot challenge here. I've just read all the posts on your thread kid, what a nasty despicable piece of slime this [STRIKE]man[STRIKE]
worm is. You stick to your guns hun, you have all the proof you need to turn this around for you. I don't know how anybody could treat someone in this manner, never mind "traffic enforcement officer", this slime ball could be a bailiff!. Don't forget hun, you have the support of everyone on this forum. Wish I'd been early enough to read your letter to his solicitors though, it sounded like a doosey! Yot will get through this kid, so keep your chin up OK <<hugs>>

Sparky xx

Icanandwillsavemoney

Ok, I called the employee assistance line but they were not much help today. Her goal was to get me to talk to cccs which they have a fast link to so I would not have to wait for an appointment - my appointment is 3rd March.

She did advise me to write back and dispute the amount as I can prove it via my bank statement. I am a bit loathe to do that as I thought it would look better if, sorry whe I go to court. It could show his inconsistant approach towards everything???

Spoke to cccs and they have said the cc and overdraft I have with work should be classed as priority debts until my appointment - again this concerns me as she said to make token payments. I would rather pay in full where possible. I can pay in full for all but his gift/loan.

I did voice my concern regards a ccj - if I lose my job, I lose my staff mortgage (1%) and it reverts to a 7.9% variable rate. I would also be unable to remortgage anywhere else. Maybe the variable rate would be ok if I follow the cccs route.

I'm really confused now about what/where to go from here. There are 101 questions whirling roud my head but I can't focus one any particular ones. Feel like I am going mad. Fed up of crying and being sick, there is nothing let to bring up. I think I might need to go to the Doctors because not sure I am handling any of this very well now. I need perspective but am really struggling to get any.

I'm really sorry for waffling, you all have enough on your own plates to have to listen to this.

RAS

Hi

have you spoken to your union rep etc to check the situation re the CCJ. As I said previously, if you do things throught he bank, you should be OK.

Secondly. If you are meeting the payments agreed by you (which you are) then you cannot get a CCJ. You can only get a CCJ if you fail to meet the deal that he had with you, which is that you pay it back when you can afford it.

So he is stuffed. Will not stop him trying, but with the evidence you have already shared, as long as you present that to court (or a friend presents it) he is stuffed.

Icanandwillsavemoney

Ok, after a particularly crap day yesterday I went to bed (having had a drink or 2 with a friend) and woke up in a better frame of mind. I am getting things into perspective now... no one has died and really, things could be a whole heap worse. It is a little debt that can be dealt with... by me. Time to get a grip! That little prat is getting stood up to.

Thank you RAS. Can I ask.... is it ok for me to be represented by a friend or solicitor in the County Court? I have saved all evidence for court and will write a time line log to back myself up. I will (if I can not be represented) as the judge to bear with me due to nerves etc and hopefully they will be understanding.

I am having problems getting through to the union at the minute due to bonus issues! Unfortunately the lower end bank staff who don't make decisions could possibly lose all of their £600 - £1000 bonus that they worked so hard for - Although the decision makers may lose some of their bonus, what they receive will still be over and above my salary for the year! Swines. But I will not give up trying to get through to them though.

And thank you everyone else for your support - I promise not to go into melt down again - I can do this because if I don't it will never stop.