Newbie, advice needed in regards to debt

jonesMUFCforever

We understand your stance on the CSA - unique IMO but your right- what I don't understand is your stance on the loan repayments - you have been stuffed - get over it or change your stance on the other thing and use the CSA money to repay the loans.
Your choice.

sallypalma

to pay your Grandparents back the money you owe them ? So does it matter if it comes directly from your husband or via the CSA ?

It is up to you what you do with the money once you receive it and if you feel that you do adequately provide for your children without any financial assistance, simply give your grandparents the money each month.

It seems stupid that you owe your grandparents £12,000, you have a way of getting money from your ex to help pay them back but are choosing not to do so because you want your children to be "valued and respected" so you are not going to force your ex to pay. Do your grandparents, who apparently lent you their life saving not deserve to be "valued and respected" and have you take any steps necessary to get their money back or does value and respect only apply to your children ?

andyfromotley

tattoogirl31 wrote: »

I don't understand the harshness towards my stance on csa.
.

I don't think i was in any way harsh on your stance. hey ho.

macman

Your ex clearly doesn't 'love or respect' his children, and whether he pays maintenance or not is not going to alter that. But it seems that your pride is such that you would rather impoverish your grandparents than make him contribute towards his children's upbringing.
If you thought that it would be impossible to collect maintenance anyway, why ask about recovering the loan? He's going to be equally elusive in that respect.
I don't see anything sarcastic in the above replies, perhaps just incredulity that you would refuse on some misguided principle not to seek maintenance, which is your children's right, and his responsibility..

Thrugelmir

tattoogirl31 wrote: »

I don't understand the harshness towards my stance on csa.
I understand the csa have more powers now to enforce payment, which im sure would have to be used as he will not be happy or willing to pay.

At the end of the day it's money in your pocket. If you don't want to enforce on your ex what is due. Then you cannot complain about the loss of your home and having to settle debts. Possibly things may have turned out differently. Your choice , so you made your own bed to lie in.

PeacefulWaters

Your original question, I believe, was "Is there anyway I can recover any money from him as he has got off scott free?" - a perfectly reasonable enquiry.

When it comes to the loans themselves I think you're stuffed.

When it comes to the CSA you're not stuffed.

Your call. Not my problem.

Pixie5740

You say you were married at the time the loans were taken out. First hat mean you're now divorced? As things like the house, child support and the loans should have been wrapped up as part of the divorce.

Joint loans means that you have joint and several liability for the whole debt, not just half of it. Unless the loans were secured against the property, you wouldn't have lost your home by not paying them.

Unless you've still to go through divorce proceedings I don't think you've got a snowball's chance in hell of getting your ex to repay the loans so you'll need to find some other way of repaying the £12k to your grandparents.

As for the CSA, that's up to you. Although really that money is for your children, not for you. Only you can decide whether the pros of pursuing your ex for child support outweigh the cons.

andyfromotley

Pixie5740 wrote: »

As for the CSA, that's up to you. Although really that money is for your children, not for you. Only you can decide whether the pros of pursuing your ex for child support outweigh the cons.

Yes but not as in here kids, heres your child maintenance from your dad! It is perfectly fair to use the money to provide a home, clothing and food for the children.

Pixie5740

andyfromotley wrote: »

Yes but not as in here kids, heres your child maintenance from your dad! It is perfectly fair to use the money to provide a home, clothing and food for the children.

Yes I am aware of that. The things you've listed all benefit the children. My point being that it's their money so the OP probably should try and get it. Some extra money coming in will benefit the children.

macman

It's a shame that 6 years of potential maintenance has now been lost since 2009.