Broken down and very scared

poodlegal

Hi, nothing useful to add but just wanted to say that however bad you feel now you will definately get this sorted and have learned loads from it. You have plenty good times to come! Sounds like you are being proactive and also sounds like you are a lot better off without this man who has taken the cowardly way out. Once you get a bit of time off work i'm sure the solutions to the problem will come and you will find yourself in a stable position, dont let him bully you into paying anything you dont owe.

little_miss_T

thanks poodlegal.. i spent 5 years paying his debts, and getting into debt myself to compensate for that.. i will never ever ever pay a penny for him again.. he left me in a hole financially when he left me, knowing that i had no way of clearing my debts off, whilst he sits there with a large income and the ability to pay his debts off.. he was very wrong in his assumptions, because i have a very helpful family, andthe support of all you wonderful people on here.. so really i won!

findingmyownway

Hi littlemiss!

How are things going for you now?

Still planning the move to Oz? Have you got the divorce sorted out?

heartbreak_star

Can't give any better advice than already given. Lots of love and hugs, be strong and you will get through it!

HBS x

little_miss_T

hi findingmyownway.. i am doing ok.. moving to oz in 34 days.. woohoo.. i cant wait. divorce was getting sorted but now its on hold due to money.. i tried to get a part fee remission from the court but they wouldnt give me one cos my income is too high! i wish it was.. it only because i pay cash for my rent and as the payments are not shown on my bank statement, they wouldnt accept that as a genuine outgoing.. so i will just have to wait until i have the money.. ex is going to pay half, but he is a bit short this month too, and im not so horrible that i would leave him with nothing. xx

little_miss_T

little_miss_T wrote: »

a couple of years ago me and my ex were silly and got some shopacheck loans.. we were paying them every week, then i got sick of mine and decided to pay it off.. i called up and made a payment over the phone, and at the same time paid my ex's weekly payment.. i thought that was all fine until i got a letter to say i had defaulted on my payment. i called them and told them that i have paid it off.. they looked into it and saw that they had used my payment to clear some of my ex's loan off.. they said they had rectified the error.. fast forward about a year and im getting letters and phone calls from DCAs about this loan.. i have explained that i have paid it, but they said they need proof of the payment, which i cant provide cos i used my ex's card.. and as we are not on good terms, he wont help me and give me the banks statement to prove it.. any ideas what i should do? im not paying it again when i have already paid it once xx

Any ideas what I can do? They are getting on my nerves now

chevalier

hi and like wow.
So glad you came out the end of a horrible time so well

ref the shopacheck loans, what about asking your bank for copies of statements? Or could you get them via online banking?
chev

SteffieLou

Don't know if it's possible or not but is there anyway they could check their phone records? All calls are usually recorded and I wonder if the conversation where they acknowledge they made an error and would rectify it would be enough for them to sort it out? Just an idea but companies usually have to keep the recordings for a good few years as a statutory requirement. Worth a go anyway!

Good for you starting your new life in Oz. I hope you'll still pop by and see us all and let us know how you're doing x

Angry_Bear

Did you pay the money to the DCA or shopacheck? You should send whoever you paid and spoke to on the phone a SAR - there's a statutory £10 charge for this.

If you search around the forum there's a template letter somewhere. It will get you a copy of all information they have on you including phonecalls and correspondence so you may be able to get proof of payment from that.

However, and I'm sure someone else will know better than me - is it not their job to prove you owe them and not yours to prove you've paid?

BlushingRose

Wow, miss_T, you've had a time of it haven't you?
I've spent this afternoon reading this thread and I'm SO impressed that you've survived everything and still come out of the other side and kept your sanity!
Us Northern birds can be tough ;-) Well done xx