Financial help after a split.

Mojisola

Telina wrote: »

It's in my name as the main driver

Telina wrote: »

Then it's her commiting the offence isn't it? she has the policy and is aware of the details on it.

If the policy is in your name, it's your policy and you have a duty to report any changes to your insurance company.

[Deleted User]

If her name is on the tenancy, it would be a good idea to get it taken off so you have the sole rights and responsibilities for your home. This may also be additional evidence for any debt collectors that she is no longer resident.

http://england.shelter.org.uk/get_advice/social_housing/transfers_and_exchanges/assigning_a_tenancy

Best wishes disentangling yourself. I think the best thing you can do is refuse to cover her tracks anymore (return post to say 'gone away' so she can't lie about her address), and get important things separated on paper as much as possible.

If you are friendly enough in the future, the recommendation for contacting GamCare is a kind thing to do.

ETA - sorry for irrelevant advice, I just noticed previous post where you explained you were the sole tenant.

Silvertabby

“

It's in my name as the main driver
Originally posted by Telina ”
“ Then it's her commiting the offence isn't it? she has the policy and is aware of the details on it.
Originally posted by Telina ”
If the policy is in your name, it's your policy and you have a duty to report any changes to your insurance company.

Sounds like the policy is due for renewal soon. When you paid for the first year, did you tick the direct debit box thereby giving the insurance company permission to take next year's premiums automatically? You need to ring the insurance company to explain your change in circumstances and to ensure that the policy isn't renewed in your name. You may have to pay extra to change your ex to 'main driver' but it'll be worth it for your peace of mind. What you are doing now is called 'fronting' and is illegal.

As has been said before, you must:

A. Change the locks
B. Return all post addressed to your ex clearly marked 'return to sender - addressee gone away'

My only experience of Amigo loans is the irritating tv adverts - but it seems that if your ex took out a loan from them, then she would have needed a guarantor - ie, someone to pay the debt if she won't/can't. I do hope for your sake that she didn't con you into signing this for her.

Caroline_a

She's done you a massive favour by moving out. She was leaching the life out of you, by the sound of it both emotionally and financially. New Year, new start!!

Bag up any of her stuff that she hasnt collected yet and put it by the front door so that when she comes round you can just give it to her.

Change the locks.

Send back any mail as 'Not known at this address' - if the bailiffs come be honest, tell them she's gone, you have no idea where she is. Her debts are not now your concern - she has to take responsibility for them and for her problem.

Cancel the insurance - again it isn't mean, it's looking after you. If you have a mobile number for her, send her a text that it's going to happen.

This is not about being unkind or nasty - this is about putting you first for once!! I would say that she never has!

Guest101

Cherry_Gale wrote: »

If her name is on the tenancy, it would be a good idea to get it taken off so you have the sole rights and responsibilities for your home. This may also be additional evidence for any debt collectors that she is no longer resident.

http://england.shelter.org.uk/get_advice/social_housing/transfers_and_exchanges/assigning_a_tenancy

Best wishes disentangling yourself. I think the best thing you can do is refuse to cover her tracks anymore (return post to say 'gone away' so she can't lie about her address), and get important things separated on paper as much as possible.

If you are friendly enough in the future, the recommendation for contacting GamCare is a kind thing to do.

Cant do this without her agreement.

Pop_Up_Pirate

Telina wrote: »

I can't follow her - she has a car and I don't. I'm not in contact with any of her friends, so can't find out that way either.
I'm also worried that she may be commiting fraud, by using a false address in order to obtain money (deception ? )

see she moved out

Guest101

Don't change the locks if she is on the tenancy as you may end up in court with her claiming additional costs

FBaby

Sort out the insurance asap. The company won't care about your circumstances. The minute the information you provided on the policy stops being accurate, they can use this against you. You have no control over what she is doing with the car. It is your responsibility to remove yourself from any liability. Even if there is only a few weeks to go, a quick phone call could mean a lot of trouble avoided.

Before doing so though, I would write to her at work so that she knows she will become uninsured.

Guest101

I may be wrong but I believe the owner of the vehicle must be the primary driver - so the policy is probably already invalid


- unless it's a multi car policy

Gigervamp

OP said the ex is not on the tenancy, so the locks can be changed.