[DevilsDuck]

the mouse I saved the other day has died. atleast he had a quiet last 48 hours. stupid cat!

[foot-loose]

God bless his little clogs

[Nicola_Red]

My bank are being pissy about renewing my overdraft and my boss is being pissy about my contract. Generally, people are making my life hard work at the moment.

[English Bob]

thank you to be honest, i was a bit worried about the legal side (partly because it's scary to think that i'll have to resort to it) - but also because i'm quite clueless when it comes to the logistics and cost.

unfortunately as you said - i'll have to. given that she's moved on so quickly, i think that's given me the impetus to take some action to get what i'm owed. right now i'm just so angry that she's thrust me into all mannar of situations, which she doesn't have to deal with.

venting helps.

I urge you to leave everything to a lawyer. If you get personally involved, it might be used against you later.

Be glad you weren't married, read this absolute horror story about how evil some people can be: http://www.pitch.com/2010-06-10/news/jo ... expensive/

The icing on the cake in that story is when the crazy woman decides to actually sue the judge when things don't go her way! Madness.

[chrysostom]

cancelled the direct debits from the joint account, which are in the ex's name. she will be aware of this, once the bills go unpaid. ah, the perils of not being willing to engage in contact.

also good, been on the phone to citizens advice - once i inform her in writing that we need to come to an agreement over the rent money she owes me, she has 2 weeks to respond, or small claims procedures can begin.

i find it so gutwrenching that i have to resort to these cold legal avenues.

[Yudster]

You're a nicer person than I am. In your position I would be annoyed at having to do it because its a pain and time consuming - the cold and impersonal nature of it wouldn't be worrying me at all, rather the opposite I think.

[Boboff]

Not nicer than you, just different.
Keep it calm, keep it friendly, avoid lawyers at all costs. One thing I have learnt is " its the principal" arguments with people are the costliest and least satisfying to participate in.
I would say Andy has got it just about spot on, and I really hope that it works out.

[Yudster]

One thing I have learnt is " its the principal" arguments with people are the costliest and least satisfying to participate in.

My sister in law who is a barrister always says "NEVER go to law on a point of principle. You might win, but you'll never get what you really need from the courts". This isn't principle though, its a matter of getting back money that's owed.

[chrysostom]

just typed out the letter. i think it's pretty good - anyone fancy proof-reading?

[Yudster]

Yeah go on - it'll make a change from the stuff I normally have to proof!

[chrysostom]

argh. now i've found out that she just dumped the money with the lettings company, about a week after the rent was paid.

now the lettings company is holding onto the money until i check out as they've been put on an awkward time consuming situation.

i'm majorly pissed off, as noone had told me about this.

[Yudster]

Hang on - so basically the rent has been paid twice? And they aren't paying you back? That isn't good. When you do check out, charge them interest.

[chrysostom]

it's been paid one and a half times - and they'll give me back the half, once i hand everything over.

it's not really their fault, because they explained the situation to my ex, and she was insistent they take her money. i think a few of my texts may have shocked her into actually doing something about it, she was just too stupid and pig-headed to just drop a single text to say "the money is with the lettings agent", letting me sweat about it for 3 weeks.

given this, and that it's very likely she was cheating on me with the guy she is now in a relationship with.

that is what's annoying me.

[MK Chris]

So does she owe you any more money now? How are you supposed to pay the bills in the meantime if they keep the money they owe you?

[chrysostom]

bills have been paid for last month : and i've cancelled the direct debits from the joint account that are in her name - so it won't be going too smoothly for her (especially with the sky contract, but that's her problem and she's not asked me for any contributions toward it). the bills come out again on the 15th, after i've moved out.

i'm out of pocket a bit, but it's nothing i would sweat over.

trying to force her to write a cheque for £50-60 wouldn't be a satisfactory slap in the face for the magnitude of what's happened in my opinion.

[MK Chris]

If it's a joint account, won't cancelling direct debits - even if they are in her name alone - impact on your credit rating too? I'm not saying that is the case, I'm just wondering, as I would have thought it would be.

[chrysostom]

does it not impact on the bill holder, as opposed to the account holder?

(acted on the advice of citizen's advice bureau)

[MK Chris]

Well, in that case they're probably correct - I think I just instinctively thought it would be the other way round.

[Yudster]

There are all sorts of potential reasons for cancelling a direct debit, I can't for the life of me see how doing so would automatically impact on anyone's credit rating. If the bill then goes unpaid surely that's when such things will kick in, and it will be the account holder who is affected, but the act of cancelling the direct debit shouldn't have any negative effect at all. I cancelled a direct debit merely because I wanted to pay the bill in a different way, which was totally within the terms and conditions of the company I was paying - if that impacted negatively on my credit rating I'd defintely have something to say about it!

[MK Chris]

Well yes, but I was assuming that the bill would then go unpaid... of course, he's probably mentioned that he's cancelled them in the letter, so she would have to do then something about it? Saying that, it doesn't sound like she's too receptive to things that she "has to" do.

[DevilsDuck]

biaaaaaatch!

That really sucks balls!

[Yudster]

Well yes, but I was assuming that the bill would then go unpaid... .

Yes, but then its the account (utility account, not bank account) holder who is liable for the debt, so any adverse credit rating would apply only to them. Wouldn't it?

[MK Chris]

I don't know, but I do remember reading once that of two people who live together, if one has a bad credit score, it tars the other one as well - so I'd get myself registered away from that address as soon as possible I think, if I were you.

[Jill]

Sky Plus not working the last few days is annoying me. Tried everything i've read to fix it. Gonna have to phone them and I hate speaking to Sky, they're a nightmare.

[pjordan2000]

Sky Plus not working the last few days is annoying me. Tried everything i've read to fix it. Gonna have to phone them and I hate speaking to Sky, they're a nightmare.

And thats when you get through!