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Hello Tom my name is ***** ***** I will help you with this.
What is it you want to achieve please?
Did you sign any terms with the school? Did your ex sign any agreement too?
So they say you are liable despite you not signing any terms and conditions?
Ok - if that is the case you are not liable.
You can only be liable if you signed any terms and conditions. You have not and as such you cant be liable if they dont have a signed contract.
In any event they cant claim 8% interest as the base rate is 0.25%. A Court is only going to award 2% at most.
But if they know your ex is liable for half they should be going after your ex.
But you are not liable. There is no signed contract.
Can I clarify anything for you about this today please?
You can't stop them issuing proceedings, its a commercial decision for them.You should ask a local Solicitor to write to them and set out your position.
They cant affect your credit record without a County Court Judgment.
Debt collectors have no power whatsoever. They are not bailiffs.
I would get a Solicitor to write
Does that clarify?
You can try yes. No, its just passed for collection generally.
Yes. Its not out of their hands, unless they have sold it on. They cant sell the debt on without a contract
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