Ex refusing to pay back a loan I took out on his behalf

lawrie28

There is nothing you can do right now, but tell him that he owes you the money, and you will be repaid for it, even if it means waiting for it. Let him know thta the Boys may well make an appearance ( I am sure you can find someone to give him a little scare).

Oh yeah, ring his Mum up and tell her, that'll cause him no end of trouble...getting a girlfriend to take a loan and then welching on her.....bad form that, and I am sure his mum would see that too.

Trajal

lawrie28 wrote: »

Let him know thta the Boys may well make an appearance ( I am sure you can find someone to give him a little scare).

.

No. Under no circumstances take this route. This is both illegal and wrong.

1994 Criminal Justice Act, this is effectively demanding money with menaces and could land you with thousands of pounds worth of fines as well as a potential prison sentence.

There are many good pieces of advice on this forum, unfortunately this is not one. Please under no circumstances advocate 'sending the boys' around, or even intimating this to be a possibilty.

santer_2

According to 3.2 bankruptcy should disbar him from being included in the ADI Register, the people training him should already be aware of this, so you could ask them what is the purpose of continuing to train someone who might not be placed on the ADI register

http://www.dvtani.gov.uk/uploads/publications/general/dva0483.pdf

You could also get confirmation from the registrar to show to the people conducting the training

ADI Registrar [EMAIL="ADIReg@dsa.gsi.gov.uk"]ADIReg@dsa.gsi.gov.uk[/EMAIL]

alixandrea

hayley, you've had some good advice (also some rubbish advice and complete non-advice) on here. I agree that you should phone up the driving instructor trainers and kick up a fuss with them and your ex about this situation; plus find out if he's just trying to bluff you by asking him outright why he's bothering to continue to train if, as santer said, bankruptcy should disbar him from being included in the ADI Register.

What you can also do if you do end up having to pay the loan back is get in touch with both the Citizen's Advice Bureau and the Consumer Credit Counselling Service (CCCS). It's entirely possible that, if you do have to repay this money, you can enter into a Debt Management Plan through the CCCS to repay all your creditors one affordable monthly repayment. Don't use any of these companies that charge for their services to do the same thing as you'll end up paying loads more.

The CCCS should be able to get your creditors to freeze any further interest on your account, so you'll only repay the remainder of what you've borrowed. It WILL trash your credit record for the length of the DMP plus six years but this isn't necessarily the end of the world that you might think. I believe you can choose not to include certain debts in your DMP, so get a new credit card (Capital One will give anyone a card!) and start doing all your usual monthly shopping on it. Repay IN FULL every month to avoid paying huge amounts of interest. This will help to boost your credit record.

You can then write to the three main credit referencing agencies (Experian, Equifax and CallCredit - look them up on Google) with a 'Notice of Correction'. This is a short (200 word) paragraph stating the reasons that you've had to enter into the DMP. If/when in future you need to get new credit, a Notice of Correction will stop the bank from making an instant 'computer says 'no'' assesment of your request; a real person has to look at your file instead. They can then read your NoC, see how good you've been with your credit card and make a human assessment of your creditworthiness based on these facts. It's a bit of a long process and a pain but it will help you in future.

Wishing you the best of luck with sorting it all out.

Alixandrea

KingElvis

That money's gone down the swanny, best to pay it back and never do silly things like that again.

dancingfairy

Sounds like the OP may and I stress may get her money back then - her ex can't go bankrupt or he won't be able to be a driving instructor so she should point this out to him. She can then take him to the small claims court and try her luck there. IF the judge agrees she owes the money he will have a CCJ against him and she could even potentially petition for his bankruptcy or send bailiffs round or another enforcement route at this point.
Will it stand up in court though? that's the question - technically it's her debt and she owes it - as others have said - but if there is proof that it was taken out for him and he had intentions of paying it back - the witnessed repayment schedule for example then there is a chance she can go after him.
df

dancingfairy

Obviously though until you take him to court AND get some money off him you are responsible for the loan. It might be worth having a chat with the CAB or National Debtline regarding your options about what might be suitable - dmp, dro, iva, bankruptcy, token payments, etc etc.
df

telboyo

Trajal wrote: »

No. Under no circumstances take this route. This is both illegal and wrong.

1994 Criminal Justice Act, this is effectively demanding money with menaces and could land you with thousands of pounds worth of fines as well as a potential prison sentence.

There are many good pieces of advice on this forum, unfortunately this is not one. Please under no circumstances advocate 'sending the boys' around, or even intimating this to be a possibilty.

This law is very rarely applied, every year around the end of October I get threats from masked people demanding money or they will cause damage to me or my property.


Going back to the problem of the Loan I believe the boyfriend is lying about going bankrupt- how is he going to pay for a car to use to teach in?

hayleyrafelt

Thank you so much for all your replies. Can I just say it is all very well taking the !!!! when this is not happening to yourself. This is causing me severe financial and personal stress and the fact that some of you can just mock me is frankly discusting. I was with this guy for 5 years, we were engaged and he saw me previously go through a very emotioal and bitter divorce. I would have thought that out of everyone, he would have never done this to me. It just goes to show how crewl and malicious some people can be.
To everyone else with actual advice, thank you. I will try informing him about the exclusion from the ADI register.
Over the past week I have come to the thinking that even if I do have to pay the remainder of the loan, it is a small price to pay to realise what an awful pig he is and at least I am away from him. £1750 down, but I'm still richer without you!!!!
Leason learnt girls. I'm sure I'm not the first stupid fool and I'm certain I won't be the last.

LovelyLeeds

hayleyrafelt wrote: »

Leason learnt girls. I'm sure I'm not the first stupid fool and I'm certain I won't be the last.

You're not a stupid fool, you trusted someone. You made his problem yours, because you trusted in him. Sadly, the loan is yours, but I think he will suffer more than you. Take heart - revenge is a dish best served cold 'n all that. Good luck.