Laptop ownership issue.

phillh79

Optimist wrote: »

Well the debt is in her name not yours. I assume she has now paid over a third of the price of said laptop in which case it would probably be classed as "protected goods" and they would need a court order to seize it even if they did go down that route. As mugwunp says they would go after your ex for the outstanding sum.

I need to tell her not to go down that route as she will end up been out of pocket which ultimately will affect our child.

I'll ask how much she has already paid out my laptop and see if i can buy back hers for the same value.

Optimist

phillh79 wrote: »

I need to tell her not to go down that route as she will end up been out of pocket which ultimately will affect our child.

I'll ask how much she has already paid out my laptop and see if i can buy back hers for the same value.

You could also just pay for the laptop, as your first post states you can afford it
That way you will have no need to worry about how it will affect your child.....

hartcjhart

phillh79 wrote: »

I need to tell her not to go down that route as she will end up been out of pocket which ultimately will affect our child.

I'll ask how much she has already paid out my laptop and see if i can buy back hers for the same value.

but you already say that hers is no good to you,why pay money out on that and not ask for a settlement figure on yours??

HairY

Assuming the finance was tied directly to the sale of the laptop (i.e. part of a sales finance agreement and not a separate unsecured loan, or bought on a credit card) the crux of the issue is that the laptop was never really hers to give to you.

You have no choice but to take over repayments or give the laptop back to her. Personally I suggest you give it back and pick up a new one in January

dmg24

phillh79 wrote: »

I think somewhere in the region of £600-£700 possibly more i'm not sure on the APR when she took out the deal.

In the spirit of compromise, why not offer her half the money, so that she can lower her payments?

The one person that will suffer in this situation is your daughter. If you are unwilling to compromise, then I can easily foresee her doing the same, and limiting access to your child.

phillh79

hartcjhart wrote: »

but you already say that hers is no good to you,why pay money out on that and not ask for a settlement figure on yours??

Its no good as a replacement to mine as I mainly use it for my work. I would use hers as well as my own.

HairY wrote: »

You have no choice but to take over repayments or give the laptop back to her. Personally I suggest you give it back and pick up a new one in January

It would be inconvienent for me to buy a new one as I've spent quite a bit of time and money getting the software and setting up the system as I need it.

phillh79

dmg24 wrote: »

In the spirit of compromise, why not offer her half the money, so that she can lower her payments?

The one person that will suffer in this situation is your daughter. If you are unwilling to compromise, then I can easily foresee her doing the same, and limiting access to your child.

My ex is a very difficult woman to deal with which is part of the reason why we split up so a compromise would be hard to reach. I already have limited access to my son as they moved away after the relationship ended.

dmg24

phillh79 wrote: »

My ex is a very difficult woman to deal with which is part of the reason why we split up so a compromise would be hard to reach. I already have limited access to my son as they moved away after the relationship ended.

Have you tried offering her half, or are you just assuming she will say no?

phillh79

dmg24 wrote: »

Have you tried offering her half, or are you just assuming she will say no?

I'm waiting to hear from her to find out how much she has already paid out on it.

LilacPixie

Sorry OP I just cannot see why you won't take over the payments as you yourself say you can afford to.

Your X has said she can no longer afford payments and you yourself say that a finance company go after your X for the outstanding amount then it will ultimatly affect your child. So why not get her to ask the finance company for a settlement figure and then clear the amount due yourself. in that way you have your laptop, she has hers you gifted her and your child is not affected.