Credit in my name, someone else paying

LoopyLooLoo_2

Errata wrote: »

I rather think the law is that you contracted to pay for the upholstery and you will be pursued for payment until it's paid for.

Thank you for your input

Burlesque_Babe wrote: »

If the credit agreement from the store is in your name, then perhaps you should tell her that technically they are yours. Tell her you are going to get copies of the agreement from the store and she should arrange for the items to be at your address by x date.

Doubt she will comply but if you can't prove what you did was for her (ie the judge will say it's your debt), then equally she can't prove the items don't belong to you.

Your items at her house - surely?

They got delivered to her house from day one and have been there since
I have had nothing to do with it since the day i left that store and signed the papers (which she even took with her), i simply just did it for her in my name so she could get what she wanted as she is bankrupt she could not get credit and I could at that time

Thank you, someone who finally sees my point
I don't want to be awkward but she is leaving me no choice, this can be turned either way
I don't want the settees, but if i have to out of principle I will and especially if she is expecting to keep them now and pay noting for the next 11 months
No way, that really isn't fair

I just don't understand, right now who owns them
I'd say her as shes paid for 2/3 and possession is 9 10th of the law
Shes going to say they're hers so she can keep them
So my point of proof then is whos been paying for them

I could turn round and say she said she would pay the first 2 years for me as a gift and now won't give them back and there in my name so I own them... But I don't do lies, I'm 110% honest
Moral I strongly stand by
Anyone who lives outside of that, what goes around comes around

If I was rolling in it, I would let this go and learn a lesson but I am not prepared to take this without a fight
She knows I'll keep up to the payments and the settees are in her house so I cant get them and she wins and that's not right surely?

I think my next course of action is to write her a professional letter stating what you have just said or that she wishes to wick to the agreement. if i do not hear from her in 14 days then i will have no choice but to take further action

DirtPoorGuy

The problem with lending a family member money is that you place their trust in them, and generally the incentive for them to repay is not just old fashioned honesty but the risk of ending a close relationship if they don't.

Your Aunt clearly no longer values your relationship and any loyalty you have to her has now gone, so your only goal should be getting your money back regardless of the emotional cost to her, within the law.

I would suggest getting hold of a recording device and try to get her to discuss it face to face with you, encourage her to admit there was an ongoing agreement that he knowingly broke, I would also get a free consultation with a local solicitor, many offer the first hour at no charge, to establish how practical it would be to submit a recording as evidence in a case like this.

Did she pay you cash or did she make regular payments into your bank account?, bank statements could help as evidence.

Debt_Free_Chick

You need to provide some evidence that you (effectively) gave her a loan.

Without that, it looks like you were very generous and bought her some furniture as a gift.

The Courts will want evidence of a contractually binding agreement for her to repay you the total cost of the finance, in full.

LoopyLooLoo_2

DirtPoorGuy wrote: »

The problem with lending a family member money is that you place their trust in them, and generally the incentive for them to repay is not just old fashioned honesty but the risk of ending a close relationship if they don't.

Your Aunt clearly no longer values your relationship and any loyalty you have to her has now gone, so your only goal should be getting your money back regardless of the emotional cost to her, within the law.

I would suggest getting hold of a recording device and try to get her to discuss it face to face with you, encourage her to admit there was an ongoing agreement that he knowingly broke, I would also get a free consultation with a local solicitor, many offer the first hour at no charge, to establish how practical it would be to submit a recording as evidence in a case like this.

Did she pay you cash or did she make regular payments into your bank account?, bank statements could help as evidence.

I sent her a text and she ignored me so i think it's safe to say she's not going to play ball or answer the call to me or see me face to face

She paid all payments from day one, none missed, direct from her bank account
I think with that evidence and the one line form her email is enough to prove my case

Debt_Free_Chick wrote: »

You need to provide some evidence that you (effectively) gave her a loan.

Without that, it looks like you were very generous and bought her some furniture as a gift.

The Courts will want evidence of a contractually binding agreement for her to repay you the total cost of the finance, in full.

But if I wasn't paying from my bank account and she was and it was all at her address, how can that rule straight to it being a gift?

Sorry, I don't understand your last line? The courts will want what? There is no proof, only that she has been paying for hr account all his time and the line from the email.

ali-t

I would be tempted to go round and see her with a view of talking it through but taking a sqeezy jiff lemon filled with bleach and scooshing the 1/3 of the suite that you will own once you have paid off her debt. Not mature and could get you in bother but oh-so satisfying.

DirtPoorGuy

ali-t wrote: »

I would be tempted to go round and see her with a view of talking it through but taking a sqeezy jiff lemon filled with bleach and scooshing the 1/3 of the suite that you will own once you have paid off her debt. Not mature and could get you in bother but oh-so satisfying.

You sound like you have some experience in this sort of thing. :rotfl:

LoopyLooLoo_2

A comment was made by my father that I should remove the settees and burn them on her lawn leaving a mess haha and that is so unlike him!

ali-t

DirtPoorGuy wrote: »

You sound like you have some experience in this sort of thing. :rotfl:

Who me? :rotfl:Never mess with a red head, the wild temper would be the least of your problems

Fiddlestick

LoopyLooLoo wrote: »

Sorry, I don't understand your last line? The courts will want what? There is no proof, only that she has been paying for hr account all his time and the line from the email.

That's what people have been trying to tell you - you don't really have any firm proof.

LoopyLooLoo_2

Can anybody help me/tell me who would actually own these?