well it was like this he offered the money for my daughters school fees and then to support me.. but wanted half for the rent and food I finally agreed as he was so abusive and anything to get him out of my bed and then out of my life the 'debt' is 31,420 and i gave him
as neither of my circumstances have changed i do not have enough money money and i have not sold the house I have rented my house
the first I have heard that I do not have a legal contract is from the solicitor who had ;bought' this debt /loan from my ex
hi thank you
but he offered to pay my daughters school fees it was i that said he should allow me to take responsibility but only on the conditions ie sale of the house or upon my financial position improving
that was the agreed basis for the loan we both agreed that surely hopefully that means something ?
would sending you the letter help ?
but now you say its the solicitor not my ex in fact
also there was no pressure to sell my house we both thought that an investment of mine would materialise but it has not
are you saying that i could be forced to sell my house ?
i suppose i can see that but it was as i said i was expecting to see a return on an investment in fact my ex offered the money in the first instance as he thought i was a waelthy woman he asked me to marry him i agreed I did inform him after the third time i met him that i was NOT a wealthy woman and needed somebody to help support myself and my daughter he didn';t velieve me he told me that later after i also found out that he lied about his income
honestly this is not as straight forward as it seems further the solicitor is Nick Isaccs and informs me he is personally involved he stated he owns the debt from my ex
according to Nick that is what has happened found out today
my ex told me he was going to 'sell' the 'debt' unless i paid him 5K
I don;t have £50 let alone 5k and i really thought that as tge loan was personal and that it was only agreed as per terms of our contract then what could anyone do until i was in position to repay my ex never asked for installments
surely I must be abke to go somewhere to help fight this are you saying the agreement my ex and i had is worthless?
goodness i reviewed it every month for him so he knew the terms for months
so the agreement means nothing ? I didn't have to give him anything i was trying to do the right thing
anyway it is now with nick the sol not my ex
Nick has asked for proposal of repayment I have rental income of 2k per month and well disposable income of £200 left per month
If I offer something like 50 does this mean the court would look at my circumstances and not issue a second charge against my house or force a sale
I mean would they accept that that is if all i can do then that is all i can do or would the court just firce a sale as obviously 50 per month would take forever unless my circumstances improved
many thanks i need a drink ?
on the surface which is what I am at pains to let you know
you didn't even want to see the agreement in the first instance with my ex fiancee or even if the back ground was relevant.
you may be right but I find it hard to believe that any court will just agree to an assignor out of the blue asking me for repayment of a debt that is not his ( he probably paid 10% 3k ) for the full amount
31.440k and asking the court to force me to sell my house.
repayment is reasonable I agreed to repay re the conditons I have outlined and they were readily agreed to . If anybody's hand was forced it was mine
as I mentioned this is not a straightforward " you were loaned 31.4 k and I agreed to pay up regardless
that is why I had a contract with my ex which incidently was only agreed to in order to get rid of the abuse why does that contract become null and void just because a third (univited and not agreed by me) party is involved.
would you mind if we continued tomorrow or is that not part of the 'deal' ?
If I were a judge I would
look at the whole scenario and you did not even want me to download the letter of agreement
How can you make an assessment without seeing that ?
I really hope the law is not an ass
I say this with respect I also realise one gets what one pays for
Does your contract with the site determine that also ?
thank you remus
you did put my case to all of the experts but i have no response
does this mean i get my money back ?
or is it that you are unwilling to take me further?
you will opt out because i have not rated ?
what sort of solicitor/barristor are you ?
I guess an online one
I think it would have been good for you to have looked at the 'agreement letter' I have that you thought was irrelevant IT IS THE MOST IMPORTANT issue to my case
flip I can read a 'law' book and i understand all points of technological marketing
I came to this site because it pertains to decipher and help
Do you not think information is helpful ?
the agreement was drawn up between my ex fiancee Mr Fagerland and I in the UK.
He initially gave me 23k for my daughter's school fees He knew I had no money and no income.and assured me he would support my daughter and I financially and he wanted to marry me.....However Mr Fagerland is an abusive man and after an engagement of only 4 months I knew I could not marry him. l asked him to leave. He did so but asked me to return and live at my house as he wanted to visit london often We agreed that he paid the household expenses and would lend me half for my share.
He returned and after an argument I did not want to be his partner he asked for his money back Obviously I could not repay there and then which he knew so he asked for something in writing and insisted it included the school fees even though prior to this point the fees were given to me. I was under duress and at a very low ebb so I agreed and we drew the contract together for school fees and half the household expenses.
the contract states that I would repay Mr Fagerland the amount of 314420 either upon the sale of my property ( no time given) or if my financial status improved ( no time given )which ever came first The loan is non interest bearing .
the agreement is signed by both of us and was up dated every month.
Nick Isaacs the lawyer... has only emailed me to inform me he is now 'by law' the legal owner of the 'loan' he has given no evidence of assignment ...I disputed his ownership and informed him I gave no assent for the agreement to be assigned
he responded that he was indeed the new personal owner ( his firm was not involved) he did not need my agreement and would i just give him a proposal of repayment and details of my new address.Further he did not want to pursue me legally but would do if necessary.
We have made no further contact.
In order to survive I rented my property until april 2014 and live (until I gain employment) from the rental income. My disposable income per month is £230.00
Mr Fagerland informed me about a month ago that if I did not pay him £5000 within 7 days ( he would accept this as full and final )he would sell the loan I responded I did not have £50.00 let alone £5000 the next I knew was Nick Isaacs email .I opoened it yesterday 11th feb
I hope this helps
sorry for delay didn't see your answer
yes he is works for tanchambers I think
he googles up Mr Nick Issacs I can find the company if you wish.
he stated quite clearly when I emailed him to say I owed neither him nor his company any money that this had nothing to do with his company and he personally owed the 'debt' Although he emailed me using his company images
He has not mentioned my agreement with Mr Fagerland
thank you so much You are a star one of your colleagues sure did shake me up....your answer helps a great deal and i can get some sleep this evening altho fyi a friend of mine called her solicitor and he returned with the same answer as yourself
one last thing ..sorry.. should I send a photocopy of my arrangement ?
I have no idea what my ex has said or given him .
many thanks and hope you have a great day
sorry claire should i send copy of the agreement or just write as you suggest?
many tx then I can rate you lol
thank you very much claire
You have been so much help clear and lucid and listened to what I had to say.
Your service has been par excellence
I shall ask him to reply by post (not my current address) or email as he already has that is that ok ?
cheers cant thank you enough.
hi claire i have written the letter
how can I let you know what his response is ?
I mean what if he still challenges and wont let go ? or even forwards a copy of assignment ( he might be in cahoots with my ex)
I take it that he cannot justify legally what he is suggesting
sorry to be a pest
thank you claire
just thank you
amazing site but .......
thanks so gald you are a different lawyer one that knows the law
will let you know
but i can deal with it now thanks to you
I shall recommend the site for its principles