Firstplus has returned our SAR letter together with the cheque and proof of address we sent. Their cov letter is asking my husband to provide authorisation to disclose information relating to me. It also says they will respond "....in any event within 40 days." Can I send them a fresh 'joint' SAR? With both our signatures and copies of our proof of addresses etc with a fresh £10/- cheque?

Hi, My wife took a part time cleaning job. Today she received a message on her mobile to call her boss, which she did. She was told there and then that her services were no longer required with immediate effect. They would not give a reason initially but when pressed they told her that another employee would not work with her, as my wife had only been there three weeks, and the employee who complained had been there 2 years, they decided to dismiss my wife. As she has only been there three weeks we fully understand that she cannot pursue a claim for unfair dismissal, but she has been told she will only be paid up to Friday 31st Jan, her last day of work. In other words, zero notice period. From what I can gather from the internet she should have been given "reasonable" notice. Could anyone offer any advice on the best way to tackle this? Many Thanks.

Hello Few months ago I have divorced with my wife. To keep costs down to minimum we decided to do it without solicitors. We have mortgage on property since 2008. I paid, and am still paying it. Need some advice how to write her off the mortgage, as it ruins her credit score. I know I can afford it myself, but the problem is that part of my income comes in cash (please forgive), therefore I cant apply to mortgage company to take it all over, as for them I can`t afford it. Is there any way to go around it? For example: She writes to them, that we divorced, she don`t live here anymore, and don`t want any ownership of property? Any way to do it without the bank checking my earnings? Any advice please...

hello, I hope someone can help me. I recently ran a business as a sole trader which unfortunately did not work out. One of the suppliers is still owed nearly £7,000 and I don't have the money to pay them. They have sent me a letter saying that if the money is not paid within 7 days they will issue a statutory demand to me and also one to my wife as she is deemed to be responsible for my debts too. They have also traced details of her from Linkedin and found that she is a bank manager and also know which branch and are threatening to deliver the statutory demand for her into her branch. She does not know about the debt at the moment and it will make her very worried and cause her serious problems at work. my questions therefore are: 1 can they chase her for my debt in this way? 2 is this harassment to call at her place of work in this manner? 3 what can I do about this? Thank you for any help

Hi all were new to the site just wanted to say happy new year to everyone and hope it’s a good year for everyone Also thanks to the founders and people who run and maintain this site it’s a real credit to you all well done. Been reading through the site for the last 5 days as advised and there is some real remarkable stuff on here again well done to everyone. What we want is to become debt free in 2014 We would like…. anybody who has the time to look through are debts and see if they could point us in the right direction of what to do with each one See if there is illegal charges added on help us claim them back etc Help us with letters to the creditors to see if we can set up payments after we have agreed what should be paid and which is fair Also we would like advice on the CRA files to point out if anything is wrong on there and how to address the issues For the last 9 years we have been students at college then UNI and we have took a lot of debts basically to just get by and survive We have both now graduated last year and have set up a small business which is doing ok thank god Are fiancés are finally ok so we would like to move forward with are children debt free and get are credit ratings sorted for the future. Ill start by listing my debts then my husbands with as much info as possible for each one We have around 13k of debt between us. Myself £8163.44 x8 Debts. Husband £4949 x9 Debts combined total £13,112.44. Here goes me first. Wife debt 1 Bright house -- caver sham finance LTD ; £1343 what these have done is put separate defaults on the CRAs for the separate accounts. These have passed the account to sigma red limited who have wrote out on the 13/11/13 and last letter dated 18/12/13 saying that they will invite to make a 50% reduction payment of £672 .39 as a settlement of the debt we have not made any contact with sigma red ltd or brigh thouse since April 2013.. CRAs all 3 have the debts listed as 1 start date 18/10/10 default 29/5/13 updated 1/11/13 balance £146 This we believe is for a fridge freezer we have made 126 regular weekly payments of around £16 per week with their break down cover included in this off 156 weeks took out. 2 start date 24/4/2012 default 29/5/13 updated 1/11/13 balance £424 This is for a laptop we made 52 weeks payments of £12 out of 156 weeks agreed for this item including the break down cover 3 start date 15/2/2013 default date 29/5/13 updated 1/11/13 balance £773 This is for a sofa we made 1 payment of £30 then we had to move through personal issues we never and still haven’t contacted bright house. DEBT 2 wife me Perfect homes temple finance LTD Debt £4997 Perfect homes have listed 3 separate debts and defaults on my CRAs files instead of a combined debt these have not been contacted since we moved home as we were unable to make payments and are personal circumstances at the time were bad 1 start date 13/10/2010 default 3/6/2013 updated 1/10/13 Debt / balance £341 This was for a cooker we made 126 payments for this cooker out of 156 payments at £15 a payment. Half way through paying this 1st cooker broke so they gave us a reposed cooker same type but they added extra debt to this cooker because they charged us disconnection of old cooker and installing new cooker 2 start date 13/2/13 default 3/6/2013 updated 1/10/13 debt/balance £3742 This debt is for a 3d tv we made no payments as first month was no payments 3 start date 20/9/12 default 3/6/2013 updated 1/10/13 Debt/balance £914 This is for a washing machine we made 26 weeks payments for this washing machine @£12 per week including there insurance/break down cover the agreement was 156 weeks We have not contacted perfect homes since we moved in march 2013 we would like some advice on how to deal with company from the outset DEBT 3 WIFE ME Provident Personal Credit Debt £992 combined debt Provident have this down has 2 separate debts on the the all CRAs these are dwn on CRAs as SATISFIED but there accounts were never paid off in full what does this mean ? 1 start date 11/7/09 defaulted 16/10/2011 updated 6/6/12 debt/balance was £526 dwn on CRAs as satisfied 2 start date 25/11/09 defaulted 16/10/2011 updated 6/6/12 debt/balance was £466 down on CRAs as satisfied I have not finished payments on this debt yet down as satisfied what does it mean and what is the effects ? DEBT 4 WIFE ME Capquest investments LTD DEBT £93 Listed on all CRAs Start date 1/9/2009 defaulted 1/4/10 updated 2/12/13 This debt was for a sim card wich was never used or activated there was a 30 day cancelation period but wasn’t cancelled in this period the debt has been passed from capquest investments to PAST DUE DEBT RECOVERY LTD first letter from past due was jan 2012 then a second letter from past due in feb 2012 stateing there willing to nock 50% off the debt if settled in 14 days of letter. DEBT 5 WIFE ME Greenwoods ltd personal credit DEBT £360 Listed on all CRAs Start date 10/8/2009 defaulted 10/5/2009 updated 28/9/2009 This was for a personal loan taken out in 2009 the payments were not finished I have a letter from green woods dated the 29/3/2012 stating the debt was for £320 arrears yet appears on CRAs as £360 DEBT 6 WIFE ME communications supplier virgin media Debt £119 Listed on all CRAs Start date 11/6/2010 default date 24/11/2010 updated2912/2010 This debt I cant ever remember taking this out and there was certainly no written signature from me or my partner on any contract of agreement what should I do with this debt as I never signed a contract ? MINE FINISHED …………………………. HUSBANDS DEBTS £4949 X9 DEBTS HUSBAND DEBT 1 virgin media group £179 on all CRAs Start date 6/12/2007 defaulted 10/2010 updated 7/12/2010 Now this debt has been listed on all CRAs as wrong surname (spelt wrong) wrong D.O.B. As this is a 2007 debt is it now statue barred too ? . This debt was passed to SRJ debt recovery on 14/1/2011 Then Moorcroft on the 3/11/10 had no further correspondence. HUSBAND DEBT 2 Communications Lowell (02 mobile) DEBT £720 On all CRAs start date 6/6/2010 Defaulted 19/12/2010 updated 24/11/2011 This started as an 02 mobile phone and was passed to Lowell ltd these may now own this debt as its them that’s registered it on CRAs it was passed to wescott 2/5/2011 then mucky hall 17/2/2012 then advantis 16/4/2012 last letter from scotcall 22/4/2013 saying home visit…….. HUSBAND DEBT 3 communications Lowell (02 mobile) £900 DEBT On all CRAs Start date 6/6/2010 defaulted19/12/2010 updated 24/11/2011 This started as 02 mobile debt which was passed to Lowell think they own it as its them on CRAs file . first leete off Lowell on 6/10/2011 then went to mucky hall 16/1/2012 then advantis 16/4/2012 last letter from debt managers(services)ltd dared 18/4/2013 doorstep visit letter. HUSBAND DEBT 4 CAPQUEST LTD DEBT £107 (orange mobile) On all CRAs Start date 13/3/2010 defaulted 12/12/2010 updated 14/11/2011 This is an orange mobile debt passed to past due ltd on 26/9/2012 last letter off zinc credit management dated 22/10/2013 asking for contact DEBT 5 HUSBAND Mail order shop direct Lowell DEBT £381 catalogue on all CRAs start date 20/3/2010 defaulted 13/12/2010 updated 26/01/2011 This balance opened as £220 from catalogue then Lowell asked for £260 its been passed to numerous debt collection agencies and the balance is now £381 on CRAs last collection letter was from Frederickson international ltd on 20/2/13 letter before action is title. DEBT 6 HUSBAND virgin media communications DEBT £67 On all CRAs Start date 3/7/2009 default date 9/10/2010 updated 2/11/2010 This has my wrong DOB on the CRAs last letter from SRJ debt recoveries on 21/03/2011 no correspondence since then DEBT 7 HUSBAND DWP LOANS DEBT £1000 This is still with DWP not on CRAs These are loans ive had whilst on benefits what should I do with these as im no longer on benefit to have deductions taken DEBT 8 HUSBAND wonga .com DEBT £514.16 This debt is not on CRAs Started in 23/3/2012 borrowed £270.50 for 7 days to pay back £289.13 wonga wrote out in 2nd april 2012 asking for £314 has now been passed to collection agency portfolio recovery associates last letter dated 27/11/13 asking for £514.13 DEBT 9 HUSBAND wage day advice express finance £766 This Debt is not n CRAs Took out pay day loan in February 2011 for £366 Frederickson wrote out in march 2011 asking for £625 Then Bryan carter solicitors a month later asking for same amount £625 then Frederickson international asking for £625 Now motor mouth finance are pestering me 15-20 times a day with automated messages requesting £766 last letter dated 8/12/2013 All the above debts have not been contacted in any way before we did we were advised to seek help on this site first so we are hoping you all can help on what to do next we are very organised now and each debt is numbered and filed ready for what is to come to aid the process We can afford £200 per month to all these debts as a starting point at the end of January 2014 if are business continues to do well we aim to clear each debt in full one by one but we wish to pay what is fair and ask your help in identifying and illegal costs entry’s etc and if the are claims to be made we will certainly see them through Any help will be appreciated thanks for looking guys

This morning I received a letter from Robinson Way addressed to my ex-wife (we divorced in 2003). They are apparently chasing her for £10,406.37 which she owed to RBS at the time of our divorce. Prior to the divorce I was paying her credit card bill as she had no income of her own. After the divorce I obviously stopped paying as I felt it was no longer my responsibility. Although we are divorced she recently moved back in with me having fallen on hard times and having no income to speak of, of her own. I agreed to take her in to help her out. She has absolutely no assets to speak of, no bank account of her own and survives on state benefit. She's not on the electoral register as living at my address and I'm amazed at how quickly they have caught up with her. She has admitted to Robinson Way to living here as they recently telephoned the house (I'm ex-directory) and spoke to her before either of us knew what was going on. Personally I don't think she owes the debt any longer but I may be wrong. I haven't made a payment on the debt since 2003 and she definitely hasn't made any payments towards the debt since then either. Nor has she corresponded with or received correspondence from RBS or any other debt collection agency in respect of this debt until today. I'm new to the forums having joined specifically to get advice on this matter. So any help or advice you could give me would be gratefully received.

My wife dismissed for gross misconduct. I worked for her company for 4 months under a “security document” (NDA) during the course of my work I asked my wife to provided the title fields to a spreadsheet (not any content) for a call logging system her company use with a view to making into a sql database. During the course of my work with her company we had only sent each other about 10 emails all of which where personal along the lines of “can you collect the children”, having completed my remit at the end of May and handed off the project my wife retuned home from work last week (Aug) with a disciplinary hearing notice for “breach of security” and releasing information into the public domain i.e. me. The Company are saying that the information was confidential and not in the public domain until she breached the security policy. The field headings are all over the internet for their business profession OK all be it not in the same order. They have stated in the dismissal letter that they have concerns that other confidential information is being passed verbally. She already worked for the company when they actively pursed me to come in on a sub contractor basis in the full knowledge that we were husband and wife, this was never raised as an issue nor were any protocols or procedures put into place for this. As she does not meet the 2 year qualifying period to be able to bring an unfair dismissal case the company obviously feel that they will never have to justify their actions and can be as unreasonable as they wish and destroy her chances of every getting another job with a gross misconduct charge on her employment record as well as some extremely dodgy witness statements which can easily be refuted with correspondence emailed from the Company Directors which proves that they have distorted the facts. Wife has been employed just 12 months Only title fields sent in email Both signed under company security document Yes we have come to the conclusions that they wish to severe all association between ourselves and the company, they have a rather over zealous IT guy who has obviously a grudge to bear with me. Any body have ideas on a course of action here please

Hi, my ex wife moved out of the marital home over a year ago and I am still getting debt collector letters for her - I only know this cos I googled the address on the back on the envelope and its po box 8743 Bellshills ML4 3WU - Since buying her out of the house I have no contact with her or contact information. I have written this on a note and put it in an envelope with the original unopened letter from them and have said if they send any more correspondence for her it will be destroyed. I just want to know if they will take notice of this as I dont need bailiffs knocking on the door or anything else as I have a new young family and don't want them to be upset and scared but also I dont need the reminder of my ex wife and her debts! She is no longer on the electoral role at this address and hasn't been since she moved so is that sufficient proof for them? I really dont want to be stressing about this, can anyone tell me if this can go further even though she's not been here a year? thanks

Hi All, I read few posts on the forum and my story started similar to many of yours. Sorry for this long post but I thought it would be good to write in detail so you all can guide me properly. I live in Croydon. I mostly work from home and occasionally travel to London for "work" using my "pay-as-you-go" oyster card. My wife goes to office daily so she has monthly travelcard. Today evening I was due to go meet few friends in London and met my wife at Croydon station (she was coming back from her office). It was almost same time so I promised to see her before I go out. She used her travelcard to pass barricades and placed it in Ipad cover (she had ipad in her hand, guess was using in train). I met her, thought I could use ipad during journey, so took her ipad without me and her realizing that her travelcard is in the Ipad cover. So she left and after she left when I opened ipad, I noticed her travelcard in it. Now I have been in London only for a year and never used travelcard (always my oyster since she is always at work when I go out to London for my meetings) so honestly didnt know that it is not transferable (I know many would take it as a excuse but this is true, I stay busy with my work and hardly get time to research on things that I don`t use. this is the first time I got travelcard in my hands). At this moment, I made a bad decision. Without knowing it is not transferable, I decided to use it however, showed it clearly to inspector at barricade, he saw and allowed me in, I took the train to Victoria and then took underground using my oyster. On the return journey, I decided to board direct overground train from St Pancreas so again showed travelcard to inspector however, he stopped me this time. I had no bad intention of misusing travelcard which is why I wasnt afraid of showing travelcard to let him check and allow me in. But when I reflect back, I can see that I was wrong and also irresponsible - If I didnt know, I should have asked explicitly whether I can use this but In hurry to meet friends and rush time, I took it easy. he took my details, signature and told me that I will get a letter. Based on what I read, I am expecting a letter from FCC on confirming my address and perhaps interview (if I m lucky so I can explain my situation). I know I should wait for letter to come but just wanted to check if there is anything I should do in coming weeks before I get letter. I am very worried about criminal record now. I am due for UKBA visa in few months and also travel frequently across the world for my work which means quite a many visa applications in future. Due to sensitivity of my job, my employer takes criminal records very seriously and I am worried that this mistake might cost me lot more than money. I have a job I always wanted and now due to this reason, If it impacts my visa or employment, I would be quite depressed and disappointed. I never had any offence in my life (no speeding, no penalty, no fines etc.) but am afraid that this might just be a bad memory for entire life. I have no intention to endorse my stupidity and ignorance, I already feel awful about it but I hope FCC can consider my remorse and agree to settle out of court. thanks - S

Hi all, Im after some advice. My wife has just come home from her job as a hairdresser and has just informed me she has been sacked. The reason for sacking was apparently she has turned clients away who have rang up to book an appointment. She says the only times she has turned clients away is when all bookings are full or during her scheduled lunch break which I would say is acceptable. How can you tend to a client when your either busy with another one or on your lunch break. The owner of the hairdressers has gone on holiday today and instructed the next in charge to see my wife and tell her she is sacked without notice, he says this is grounds for gross misconduct. They apparently have proof but only the owner has it?? Firstly how can you prove that unless the phone calls are recorded?? My wife wasn't given any chance of defending herself and was told only at the end of her work day and not to come back on Monday and all paperwork would be done when the owner has finished his week long holiday. My wife has been employed by them since July last year and as such hasn't completed 2 years service which needs to be done for an employment tribunal. And has pestered them for a contract which still doesn't have. How can the alleged offence be classed as gross misconduct and how can they not allow her to see the 'evidence' which they say they have?? Obviously will be contacting acas and citizens advice on Monday Any advice will be greatly received. Thank you

Hi, My apologies for not having introduced myself prior to my first post but i am trying to find out if my wife has received a wrongful default on her credit file? Neither of us have had to check our credit rating before but we recently decided to go for a mortgage and were advised prior to have a look at our credit reports just to satisfy ourselves that we would be okay. My credit report was rated as good and all the details looks exactly as i would have expected, however my wife was rated as fair with a default sitting on her report from a company called Sigma Red. Naturally she has contacted Sigma Red who stated that it was in respect of an unpaid T Mobile bill of £19.77. Obviously she then contacted T Mobile as she hasn't had a mobile with them since December 2007 and had never received any paperwork from them for any unpaid amount as her account was never in arrears and was closed correctly, this was confirmed with T Mobile who did however point out that there 'may' have been an unpaid amount due to charges that were levied after the account was closed, however they confirmed that they did not have any account details to support this. So going back to Sigma Red she informed them of what she had been told by T Mobile and she got a particularly curt reply about them not having a copy of the consumer credit agreement or anything either. Fearing the worst and needing to sort our mortgage application she then just paid the £19.77 but informed Sigma Red that she couldn't understand how she could have a default and that she would take this further but needed a letter stating that the default was settled in the meantime. After 12 days we still didn't get a letter and so she spoke to Sigma Red again, this time she was passed from pillar to post and told it wasn't policy to send letters etc and that a manager wasn't available to handle the complaint that was now going to be forthcoming. My wife was also told that they didn't need any credit agreement to put a default on her file as she could receive a default for a verbal agreement. Now up until this point whilst i was worried about how all this was going to affect our credit rating, i have pretty much taken a back seat and not really read up on the matter, but having had a read of a few of the posts around here i immediately got to wondering if this default is on her account illegally? For what its worth, having checked her credit file there is a settled account with T Mobile that was classed as satisfactory and settled on 09/12/07, and then she has a default registered by Sigma Red on 10/01/11 for £19 (which is now shown as settled). My question is, should the default even be on there and can it be taken off, if it can who do i speak to? My assumption is that this is obviously a breach of the data protection act and should be speaking to the office of fair trading? But can a debt collection agency put information on a credit file without having an account to register it against in the first place, particularly when T Mobile have an entry on her file showing her account as satisfied and closed without any arrears? Many thanks in advance. Mick

Hello All, I need urgent help and advice? A letting agency, which did credit checks and subsequently took our passport and visa copies has come back today saying that since my wife is pregnant, they will not give the house to me? Are there laws from prevent us from such kind discrimination based on pregnancy? Please advise urgently. Incidentally, I had informed the agent during early days of discussion that my wife is pregnant. He asked about the expected date and said it is fine since the contract is for six months only and the expected date in after the end of contract. He is denying having been told anything like that now. Are the telephones of letting agents recorded? Many Thanks for you replies. Regards.

Hello to everyone, Apologize for my grammar I'm only a bit in a rush. Basically my partner has been in hospital(won't say which yet) since last tuesday with a strong pain right side of head (that lasted since a month ago). Also a little lump on forehead. In the same day(last tuesday) she's fainted/passed out, but she doesn't know what happened since she was walking alone. First 2 days they won't give her nothing stronger than paracetamol/ibuprofen stuff. Now she is on smth v strong similar with morphine that sedates her and every time i see her she's very sleepy and anyway looks "drugged". Now her neck is hurting and her right arm is very swallen and she won't move it properly. She's had 2 ct scans and 2 mri's(apparently first was not good or smth) and they won't say nothing about her diagnostic. Now I'm asking you, is this normal not to know what is going on with my wife, she doesn't know, and if she's allright why is she under so many drugs? Thank you.

Hi all, I've just had to phone Mackenzie Hall and ask them to remove my wife's office number from their dialling system. How dare they!! They reluctantly removed my home number from their system a couple of weeks ago for the same thing. Now they're phoning my wife. The embarrassing thing is that they left messages on the answer phone and another of her work colleagues picked up the messages and passed them on. What's my next step?? I owe them nothing and never have, they have probably bought old debts that they are trying to collect on. They would be statute barred from years ago. Can I take them to court for harassment and possible embarrassment?? I would love to. Any thoughts.

Hey, I was wondering if anyone could help me out in this situation. I jointly own a home with my wife but last week she just left. A few days later she text me saying she needed some space. There was no row or anything like that and she just went. I have a full time job and it's the school holidays so can't go into work as I have the kids. They are all under 6 years old. I haven't spoke to work yet as I don't know what to say. Should I go and get a sick note off my doctor... Would he give me one for stress in this situation. I have been pretty hands on with the children since birth and always done the cooking, washing, cleaning, school runs, etc around work. My wife would just lay in bed all day and let the children trash the house. She became extremely cold with me and it was a daily battle to get her motivated to look after the children. She wouldn't get up with me in the mornings to help get them ready for school. I would worry all day at work that she wouldn't be caring for the children. My wife didn't have a job and when I was off or returned home from work she would disappear for hours saying she was going round a friends house. If she went out on a night out she would take drugs and I would find them in her handbag when she returned. This was frightening with the kids around. It was cocaine and she said she only did it when she went out. Now she's taken off and left me in the house I don't know what to do. I will become a full time dad and give up work but I am worried financially. I don't want her to all of a sudden 6 months later think it's her right to steal the children away from me. I don't mind letting her see the children but want her to be in sound mind and not on drugs. She gets the child benefit paid into her bank account but now she's gone that's rightfully my children's money. How can I go about changing this into my name and account.. Would it be better just to get her sister to ring pretending to be her and changing the bank details over... What would you recommend. My in-laws are being extremely supportive but I'm worried further down the line they may change their minds and force some sort of intervention or kidnapping off the children. I want my children full-time and to be the main sole parent if it comes to that. What steps should I take from here onwards... Thanks in advance for any help

Hi Folks. My wife works for several companies in part time roles, doing various merchandising and auditing jobs. One of them found out that she does a similar job for what they see as "The competition". She works less that 15 hours a week for this firm and they have just reduced her hours again. She does between 5-9 hours for the other firm. It is in the hand book that whilst working for the company you can not work for any similar firm. How ever as it is only in a glorified shelf stacker role, neither my wife or an employment lawyer can see any problem. Unfortunately her 2 immediate supervisors what to set up yet another meeting to sort it out once and for all. Basically she has been told she has to decide who to work for. There are other minor things happening, apparently coming from "Head Office" but no details. First question is. Can my wife SAR her employer to get all the details of the alleged wrongdoings? Second, Can such a clause be inserted into a contract of a part time worker doing such a role? Does it not restrict how she might gain more hours of work! Third, Despite several request she still hasn't been given a contract. Thanks in advance and sorry for the length of post.

Hi all hopefully someone on here can help me with this as it seems fully trained solicitors cant! This has stretched out now over the last 5-6 yrs so i`ll quickly try to explain the situation... Me and my Wife parted company approx 6 yrs ago - we have a joint mortgage. I left her in the house - she never paid mortgage and ended up getting notice of it being repossessed then she left the property and moved in to rented accommodation with her new partner. I decided to move back in the house as I had invested over £40k in it (deposit etc) and I managed to halt the repossession proceedings and arrange a schedule of repayments to catch up with the mortgage which is all done and back up to date now. fast forward approx 5 years... Im still in the house but her name is on the mortgage still even though she has never made any financial contribution towards it or any payments etc. She contacted me a few days ago (we actually get along ok now) to say a credit card company is threatening her with bankruptcy (shes in quite a bit of debt). This has brought to the front of my mind what would happen if she went bankrupt could they come after this house as shes on the deeds for it still? which would be ridiculous as it would mean she would be ok in her rented house with her new partner whilst I would get made homeless for her bankruptcy?? I asked a local solicitor is there any way to get her taken off the mortgage and it took them over a year to tell me basically nothing. Im self employed and have some bad debt myself so I cant re-mortgage. Basically I need to get her off the mortgage as If I drop dead shes entitled to the house and I am now living with my new other half here. Any advice? Oh and just to add - I dont think theres any equity in the house as we bought it in the height of the housing boom and thee are now a few charging orders on the property as well which will most likely knock it into negative equity.

Hi Thanks in anticipation for your help. To be brief my wife's vehicle was photographed going through a red light in May this is not in question the offense happened. The issue here is it was at a time we were both in the car and neither one of us could have been driving. When the NIP came through I requested the photo evidence which duly arrived and proved inconclusive. The number plate and offence were clear from the rear of the vehicle however occupants could only be seen as smudgy silhouettes with no clear identification. The form that requests she identifies the driver was duly returned with a letter stating that we had both done all possible to help identify the driver but alas we can not. We offered to pay the fine but obviously were unable to accept the points. The court set a date and we sent a recorded letter of defense stating the same. The court then set another date!! but my wife failed to attend and as such had the police serve notice of a new date, THIS FRIDAY 18th January. My wife is worried sick about what to do. I have contacted the magistrate court and they have stated she must attend, I offered to represent and/or send a letter of defense but this has been declined. Can i still speak on her behalf, after all i am a co-defendant, as long as she is present in court? She has already got 9 points, I have a clean license. We are trying to appeal against 6 as there were mitigating circumstances but that is another issue I am reasonably confident we can sort. Thanks Wylie.

Hi This is not about me, but a friend. I have a very sweet girlfriend who clearly has been in an abusive marriage. The kind of marriage where for more than 20 years the husband has constantly be-littled his wife. To the point, where she did what she was told - to keep the peace. I have no idea if there was violence, but certainly there was mental abuse. Finally she has found the strength to leave her husband, move in with a friend, and confide in friends for moral and physical support. This is a huge step for her. It can not be easy to admit failings in such a long-term marriage. She has also lost her children. The husband has "brain-washed" them into staying with him saying that "mum" is sick. So he is now in the family home with one of the children and she is out. To make matters worse - one of the key problems seems to be that the husband had a gambling problem. And he forced all his debts to be put in his wife's name This included remortgaging. The house is just in the wife's name. So it seems that if the house is in her name and he has forced her to sign the papers to remortgage to pay his gambling debts that he has signed over all his debts to the house. And he hasn't stopped gambling and the debts are mounting again - and again they are all in her name. They also ran a business together. She was the brains and creative whizz. He tried to take over and reduce her part to zero. He has retained all the "bits" of the business to try and prevent her continuing alone - and is contacting all the clients to say wife is sick but he can work !! Makes me mad to hear all these stories !! I do not know all the details, but I am on here to do my bit to try and help her. Does anyone have any advice on where to go to try and revert the debts correctly and legally into his name ? If someone is forced - under duress - to sign such papers, can this be argued in court ? I just can not understand how a man can gamble, run up huge debts and then pass the debt - legally - to his wife ? Please. Can anyone offer some good solid advice. I would dearly like to be able to surprise her with some positive help. Thank you in advance.

I am on ESA contribution based in work group My relationship with my wife broke up over 2 years ago but we still live in the same house. We decide to put the house up forsale but to live in the same house until it sold because it was easier than running two homes we have dropped the price of the house to what we owe bank but cant any further we have not even had one viewer we dont live in a great area really. My wife has been paying the mortgage and i put all my benefit into running the house she has now said with all these welfare reforms coming in if i move onto Income related ESA and lose my benefit because of her income she will not fund me anymore. I am at my wits' end i havent a clue what to do if i move out into a flat she will be looking money from me to run the house i will need money to run the flat we have 2 children also. I feel like putting a rope up because i think they will all be better of without me.

A man returns home a day early from a business trip. It's after midnight. While en route home he asks the cabby if he would be a witness. The man suspects his wife is having an affair and he wants to catch her in the act. For $100, the cabby agrees. Quietly arriving home, the husband and cabby tip toe into the bedroom. The husband switches on the lights, yanks the blanket back and there is his wife in Bed with another man! The husband puts a gun to the naked man's head. The wife shouts, 'Don't do it ! I lied when I told you I inherited money: HE paid for the Porsche I gave you. HE paid for our new cabin cruiser. HE paid for your football season tickets. HE paid for our house at the lake. He paid for your Hawaiian golf vacation. HE paid for our country club membership, and HE even pays the monthly dues !' Shaking his head from side-to-side, the husband lowers the gun. He looks over at the cabby and says, 'What would you do ? The cabby replies, 'I'd cover his ass with that blanket before he catches cold.'

Hi all, My wife who has suffered 15 years of ME and Fibromyalga, finaly started to feel a little better early this year. We were so happy, she decided to try and get a little part time job with the help of the job centres disability adviser. She got 16 hours part time in a store, it was the max hours she could cope with. It enabled us to claim working tax credits, the Adviser told us to wait before we inform the DLA to see if my wife could cope with the job. (ps: im still her carer, picking her up and dropping her of, and still looking after her at home) Well its been about 9 weeks now and my wifes loves the job and is coping very well. Its now time to let the DLA now about this. (we will write to them rather than phone them.) Could some kind souls please advise us what to say or not to say in the letter. We are worried they will stop the DLA altogether now shes coping. She is still disabled and still needs her medication and care (though she is coping alot better) . Will she be kicked off DLA, have we left it to long to inform DLA of our change in circumstanes etc ? Any advise would be appreciated.

wife works 3hours 10 mins this has been in the morning since 2008 she had been off with a doctors note for the last two weeks (see other thread) shes now been told that when she comes back they want her time to be done in the afternoon now shes worked mornings for over 10 years all the appoinments (and theres alot coming up) are in the afternoon she also cannot work afternoons for other reasons is she entitled to refuse? is it worth stating customs and practice for these hours to be in the morning