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Basically when me and my ex were together, we got a sofa from DFS in my name and was paying monthly. When we split up, i notified DFS that i am no longer at the property and that she wants to take payments and account from me.
DFS sent a letter to her for new payment details and she started making payments. I have recently discovered through a credit check website that she started making payments for the sofa but it was never taken out of my name and then she stopped making the payments.
This has racked up a £1000 debt in my name and i haven't even got the sofa. She still has the sofa, am i able to legally get this from her house? how would i go about it?
If i tell her i'm coming to get the sofa i think she would deliberately ruin it or get rid of it to spite me.
Any Suggestions?
Regards
First suggestion is that under no circumstances do you go there to pick it up - she is most likely to call the police and you will end up in a lot of trouble.
Unfortunately, there isn't a huge amount you can do - however, it is a debt that occurred during the relationship for the benefit of the relationship, which means that the debt can be taken into account when calculating maintenance payments.
If i tell her i'm coming to get the sofa i think she would deliberately ruin it or get rid of it to spite me.
Bearing in mind that there is a long road ahead, with dealing with your ex. Is it really worth going to get your sofa, you would need a van and someone to help you carry it. You would be better leaving it where it is and counting your losses.
It would clearly wind up your ex, just leave it.
I could just leave it but then I think that she's made my life [censored] and now she's enjoying luxuries I have to pay for....if there's no effective, easy and legal way of retrieving it then I'll count my losses, just wanted to know if there was that's all.
Regards
If I were you I'd get some proper consumer advice as to where you stand If she's started making the payments and you have the paperwork confirming you've signed the payments over to her she should be responsible, Have you tried asking on the Martin Lewis money saving expert site? Also I'd get in touch with the credit ratings agency and get them to dis-assicate you from your EX so anything she does wont impact onto your credit score.
Does that still apply if paying through CSA?
Thanks
Yes, - from the CSA's leaflet "repaying a debt you took on before you separated from the parent with care and the debt was for the benefit of the family or a member of the family"
Beyond that though, I agree with the above - I know it's annoying that she has the benefit, but is it really worth the fight over it, plus if you fight and she wins, then she will gloat over it. If you walk away and tell her to keep it, you get the last word and you never know where in court it can help to be seen to be the better man.
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