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Ex Boyfriend owes money

Donna77
Donna77 Posts: 17 Forumite
Part of the Furniture 10 Posts Combo Breaker
Hi Guys,

Sorry if i have posted this in the wrong section but i wasn't sure where this query can be put....


To cut a long story short i was with a bf and ended up having to bail him out of debt to a tune of £2800, we split up eventually 4yrs ago and i had to take him to small claims court to get him to repay the money. He admited he owed the money and i got the judgement against him but he said he couldn't afford to pay me back, so the court looked at his "finances" which was made up and basically said there was nothing that could be done.

However since then he went to a debt management company and made me an offer to pay (evenutally) £35 pounds a month which despite one slip up he has paid regularly for almost 3 yrs, however he has defaulted on this payment now and i am struggling to chase him up about it. He eventually contacted me back and advised me he was sorting his finanaces out and that of his late Grandmothers and would sort the problem out however this was several days ago and i have heard nothing since.

What i want to know is... his nan had a nice house of which my ex owned a portion in his own right...it may seem callouse of me but is there any way i can put some kind of "charge"/"lein" on the house until the debt is paid. What i don't want to happen is for him to sell the house be quids in and carry on paying me £35 a month (which will take him another 6yrs to pay it off) whilst he pockets a few thousand in his own right...

In summary i have a CCJ against him (which i have the paper work for) and admitance he owes me the debt (emails and corresponse) and also confirmation through his debt line people that he owes me the debt i.e. they have been paying me for the past 3yrs... so that must count as some recongnition of debt, and they have on the bill how much he owes also...

Any advice would be appreciated,

Regards

Donna

Comments

  • Joeler
    Joeler Posts: 179 Forumite
    £35 a month is a joke... My pet insurance is higher than that.

    Sorry i dont know the answer. I would assume if you can prove to the right people he has more money than he is letting on you should stand a chance of receiving an increased regular payment.

    Have you talked to a solicitor? I would deffo look into this...
  • StuC75
    StuC75 Posts: 2,065 Forumite
    The ccj is likely to drop off after 6 years (in terms of his credit report).. so would question motivation to pay it after that time... Maybe with this inside line offer him an opportunity to settle for a % of what is left; rather than him realising to drop it after its off his credit report..
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    You can place a charging order on his "portion" of the property.

    My guess is you'd have to go back to court.
  • terryw
    terryw Posts: 4,396 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    In the first instance I would be inclined to obtain a copy of the Land Registry relating to this property. It only costs a few quid and this will confirm that he is the owner hopefully.
    "If you can bear to hear the truth you've spoken
    Twisted by knaves to make a trap for fools"
    Extract from "If" by Rudyard Kipling
  • Voyager2002
    Voyager2002 Posts: 15,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Do you know the address of the property he has inherited?

    If so, what you need is called a "charge" on the property, and obtaining a charging order is fairly straightforward. Contact your local county court or look at MoneyClaimOnLine for details, and of course contact him and invite him to settle the debt quickly to save the trouble and expense of obtaining a charge. (The costs of the charging order would probably be added to the amount he owes you.)
  • Donna77
    Donna77 Posts: 17 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Yes I do have the address but i am not sure he is on the land registry details i think it was a legal contract written up between him and his nan.

    Thanks for the info i'll check out the site to see if there is anything i can do and consult a solicitor.

    And yes 35quid is a joke!! but it's all i could get at the time... better than nothing but i am at his mercy.. if he decides not to pay me there is really nothing i can do about it. I was hoping after his inheritance he would "man up" and make me a settlement offer, but nothing so far.
  • terryw
    terryw Posts: 4,396 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Ok if you know the address just bung the details into the LR site ,pay the small fee and you will find out if he is the owner. Be proactive and save solicitors' fees - this is all the solicitor will do to begin.

    bw
    "If you can bear to hear the truth you've spoken
    Twisted by knaves to make a trap for fools"
    Extract from "If" by Rudyard Kipling
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