Ex Boyfriend Debt

Donna77

Hi All,


Please accept my appologies, I did try and look at posting this in the CAB section but my profile won't let me for some reason.

I am looking for some advice. My exbf owes me around £3300 of which he has been paying a nominal amount of £35 through a debt agency. I have now found out that last year he inherited and bought himself a £165k house out right with no mortgage. He is still pleading poverty and refuses to pay me in full and is now offering £100 a month. I so far have refused this because it will take so long to pay back and he has such a big asset and I am considering taking him back to court to force bankruptcy if he refuses to pay in full.

My question is what are my chances of getting the court on my side and getting a payment in full or a judgement against the house as he owns it out right? Or will I have to settle for his £100 offer with no guarantees and the fact he keeps defaulting?

Any insight would be grateful!

Regards

Donna
-x-

Fruit_and_Nut_Case

Donna77 wrote: »

...I did try and look at posting this in the CAB section but my profile won't let me for some reason...

The CAB Section seems to have been reorganised two years ago and doesn't permit new posts. I don't frequent that area myself so I have no idea where things are now.

tigerfeet2006

You can certainly go the BR route but it will cost YOU somewhere in the region of £1700 to do so. Is it worth it?

National_Debtline

Donna77 wrote: »

Hi All,


Please accept my appologies, I did try and look at posting this in the CAB section but my profile won't let me for some reason.

I am looking for some advice. My exbf owes me around £3300 of which he has been paying a nominal amount of £35 through a debt agency. I have now found out that last year he inherited and bought himself a £165k house out right with no mortgage. He is still pleading poverty and refuses to pay me in full and is now offering £100 a month. I so far have refused this because it will take so long to pay back and he has such a big asset and I am considering taking him back to court to force bankruptcy if he refuses to pay in full.

My question is what are my chances of getting the court on my side and getting a payment in full or a judgement against the house as he owns it out right? Or will I have to settle for his £100 offer with no guarantees and the fact he keeps defaulting?

Any insight would be grateful!

Regards

Donna
-x-

Hi Donna

Yes, you have the option of making your ex bankrupt. Can get messy, though, and as tigerfeet points out it's a hefty upfront expense. Bear in mind that he may have other creditors you don't know about, and you would get no priority over them in the queue.

Merely threatening bankruptcy - or going as far as issuing a statutory demand - may have the desired effect, without all the expense. Alternatively, if you decide to sue him through the county court instead, this should allow you to see exactly what assets he has besides the house - cash in hand, savings etc. The court may require your ex to pay "forthwith" (i.e. in full, immediately) if the value of his "liquid" assets is equal to or greater than the value of your claim.

Dennis
@natdebtline

longtermplanner

he may have other creditors you don't know about

as Donna7 says the monthly payments have been coming via a debt agency, this seems very likely. In which case it is possible that the ex doesn't have the money to settle this debt - asset-rich, cash-poor.

Nevertheless, I think I would go the CCJ route and find out more.

alastairq

Much depends on whether a Court would see his current offer as 'reasonable', given he will produce a SOA for the Court?