I have a ccj from my ex wife

leftinamess

Skint_but_Optimistic wrote: »

HI, leftinamess, a very similiar thing happened to me, and i was left with a load of debt and a house which was worth less than the mortgage, as even the central heating boiler had been ripped out and sold. Im doing the house up now, and we are going to have to move back there, but still there are debt collectors calling for him, but at least these arent JOINT debts!! One thing I would say to you, is keep a file. Keep all your correspondance in it, and records and outcomes of phone calls. Ask for things in writing too, because if you do need to get a solicitor later in the day you might need some kind of paper trail.
See what else you can recoup, you may be able to claim back PPI on the loans and cards and bring the money owed down a bit. Give youself some manageable goals to keep your motivation. Also once you have the CCJ overturned, see if you can get a settlement figure, it could be a bit less than the original 1400? Good luck :-)

It is a nasty feeling just cant see the end of it! thanks for your advice, Finding time is my biggest problem as i work long hours and even doing simple things like ringing the bank to find out about the ccj is the hardest thing as i can not pass security as i know nothing about the accounts! call centres abroad are also a big obsticle.

leftinamess

RAS wrote: »

Hi

REAd this . You need to prove that you did not get the letter from the court to over-turn the CCJ. The postal collection details should do this.

Probably explain to the creditor in writing what you are doing and explain that you will pay once the CCJ is removed.

Then challenge the defaults with the credit reference agencies (you may or may not be lucky with this, but try talking to HSBC directly).

Your information has been great on the phone to the post office trying to get written proof. funny thing is when ti told them my address they knew my ex wife she went in that much! omg

Trajal

leftinamess wrote: »

Your information has been great on the phone to the post office trying to get written proof. funny thing is when ti told them my address they knew my ex wife she went in that much! omg

rofl not a good sign! Had a simliar thing happen to me, unfortunately it was a card she held on my account so I was in fact completely liable. Lesson learned.

Good luck with clearing your name!

Mojisola

leftinamess wrote: »

Again thanks, i have always paid through bank transfer so have a log of money paid to her every month for that reason.

This isn't enough. Unless your ex signs for the money, stating that it is for child support, the CSA can ignore everything you have given her.

They can't backdate support but, if she claims and tells them she doesn't know where you live, it might take them a while to find you and you will be due to pay twice for that period.

With her history of lying to you, you must protect yourself in every way you can.

Skint_but_Optimistic

If you cant pass security on the phone as the letters come in write to them. Have you been to the Citizens Advice Bureau? They might be able to help untangle some of this.

dancingfairy

I'm sorry but she's trying to leave you in a mess and I think you have to start looking after yourself now. Why should you not report her for theft? Do you honestly think she is going to start being awkward of child access? she could be awkward anyway.
Best of Luck trying to get it sorted.
df

leftinamess

dancingfairy wrote: »

I'm sorry but she's trying to leave you in a mess and I think you have to start looking after yourself now. Why should you not report her for theft? Do you honestly think she is going to start being awkward of child access? she could be awkward anyway.
Best of Luck trying to get it sorted.
df

She is letting me take a bigger chunk out of the little money we made on the house to try and sort it out. I just dont have it in me to report her to the police and am putting it down to a very big lesson learnt. It would make things very awkward for child access too and i dont have the time or money to start fighting over that

Gordon_Hose

With a child involved I don't think I'd report it to ther Police either.

Skint_but_Optimistic

Agree, at the end of the day the kids need to come first, but cover yourself with the financials. Its true, some things are more important than money.

You are important too, give yourself and the kids a future by covering what you can like electively going to the CSA as suggested, and keeping a paper trail, involving free agencies and getting any support you need. Good luck with it all.

leftinamess

Skint_but_Optimistic wrote: »

Agree, at the end of the day the kids need to come first, but cover yourself with the financials. Its true, some things are more important than money.

You are important too, give yourself and the kids a future by covering what you can like electively going to the CSA as suggested, and keeping a paper trail, involving free agencies and getting any support you need. Good luck with it all.

Think the Citizens Advice Bureau is my next step. A lot of hard work ahead but at least i am still young! ish lol. Thanks for your advice