Money owed from family member...what to do?

Petlamb

actually i cant speak for all providers, but the network i used to work for, we were told if the person who holds the contract cant get them back off the person who uses them, and has told them to hand them over then we were happy to accept a theft report; as effectively thats what we classed it as. You need a crime number though, so it becomes a police matter. But ultimately, when they're your property... and it may teach her a lesson.

DarkConvict

cheekymonkey20 wrote: »

I have an email saying that she will pay me back the money... and im a her dark convict lol

Opps sorry But yay to written communication

DarkConvict

Vampiric_Addiction wrote: »

actually i cant speak for all providers, but the network i used to work for, we were told if the person who holds the contract cant get them back off the person who uses them, and has told them to hand them over then we were happy to accept a theft report; as effectively thats what we classed it as. You need a crime number though, so it becomes a police matter. But ultimately, when they're your property... and it may teach her a lesson.

The network will only cut off the sim and provide a new sim to your address. The amount would still need to be paid. Would stop her getting any use out of it.

cheekymonkey20

Here is a full list of what is owed and where it came from. How do you want to arrange to pay it back and also for the phone?

LIST OF DEBTS

I would recommend £250 per month starting 28th January 2010, for 6 months, plus the phone bill whatever this may be. You would be able to go into the bank and request to set up a Standing Order for lets say £300, until it is paid. This would mean the following payments:
January 28th - £250 + Phone bill amount
February 28th - £250 + Phone bill amount
March 28th - £250 + Phone bill amount
April 28th - £250 + Phone bill amount
May 28th - £250 + Phone bill amount
June 28th - £143.36 + Phone bill amount

If you feel this is a little unrealistic please let me know, and we can arrange some other amount of payment. If you would rather you could drop off the money with someone each month on a specific date, and I can pick it up from there. That way we don’t have to have contact if you would prefer.

Is this something you would be willing to accept?

Alternatively you could approach the bank and ask for a loan, www.moneysupermarket.co.uk will help you search for one.








Whats your thoughts me sending this to her?

On job seekers she would get £220.78 a month, over a 12 month period, and £334.88 per month for a 16 hour a week job on minimum wage at £4.83 per hour and she wouldn’t be taxed on this due to the amount you would be earning is under the threshold for Tax and NI deductions. This would give her £555.66 per month. Or working full time on minimum wage working 37.5 hours per week would mean £701 per month after Tax and NI deductions. She would still get £280 a month roughly if she was to sign on and work minimum hours per week.

Oneday77

I know I have been offering advice but look at what your asking her and put yourself in her shoes.
Your asking for more than half her income if she has a parttime job and income support. Is that realistic, she needs to pay it back but if you want any money at all it needs to be plausible otherwise she will get all defensive again. Total up what she owes, how much she needs to pay each month for the ongoing bills and then ask her what she feels she can pay over and above that.
If the boot was on the other foot and it was you being asked for money by a creditor would you find is possible, yes i know you wouldn't have gotten to that stage and so on. Just try a little devils advocate here, in the long run it makes payments seem more possible than none at all.

cheekymonkey20

What do u think is an acceptable amount? £150?

zzzLazyDaisy

Sorry, I'm a bit confused. At the moment what is her actual income? (I get that she could work and earn money, but is she actually working at the moment, or is she just on JSA?)

cheekymonkey20

As far as I believe she's not signing on however she's mentioned that she has signed on but had trouble. i know that she has had money at some point thro OH's sister and she is now living with another cousin in a pub he runs... or so i believe.

zzzLazyDaisy

So she is not in receipt of benefits, and she has no job?

I think you have to be realistic here - if she has no income then she doesn't have the money to pay you back. £250 a month, or £150 a month, it makes no difference if that is more than she is earning.

If she signs on, I'd suggest £50 a month is reasonable if she is living with family and has few overheads. But you should be aware that, if you go to court and win, provided she can produce an SOA to show that she can't afford to pay you, then the court is likely to order her to pay a token payment of £1 a month.

cheekymonkey20

shes just being lazy... as long as she doesnt have a job she doesnt have to pay anything back.

To make matters worse, my car was broken into last night too!