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Advice please.
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Topic: Advice please. (Read 1676 times)
Mohican
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Advice please.
«
on:
September 07, 2018, 08:15:34 PM »
Had a quite serious chat with a friend today. Gave some advice about how I'd deal with some issues. Anyway, I said I'd ask here about two issues.
1) Is it possible to separate a joint loan? ie take responsibility for half the outstanding amount and pay it off one way or another and leave the other co-signee the rest to pay
2) Child maintenance payments. Looked it up and got a figure of 10% Gross income. Does this include commission and bonuses or is it just salary?
Tx and yes, genuinely asking for a friend.
«
Last Edit: September 07, 2018, 08:17:44 PM by Mohican
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Cymru am byth
4KSuited
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Re: Advice please.
«
Reply #1 on:
September 07, 2018, 09:45:49 PM »
I can only answer Q1
There's no way that the loan can be treated as two halves by a single lender. The lender will always reserve the right to pursue either party for any outstanding balance. Only way to achieve 50% joint liability is to have 2 separate loans for half the required amount on each loan.
Of course best advice would hinge on what the loan is for etc etc
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teddybloat
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Re: Advice please.
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Reply #2 on:
September 09, 2018, 02:23:53 PM »
i had a similar situation with an ex where i got a loan for her. your friend should ensure the other person commits in writing that they will pay their half of the loan. it will make things much simpler when if they ever have to go down the small claims court route.
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TightEnd
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Re: Advice please.
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Reply #3 on:
September 09, 2018, 02:27:42 PM »
its 10% of gross income for one child
15% for two
20% for three
from memory
all comms, sources of income included
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Gamesmaster
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Re: Advice please.
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Reply #4 on:
September 09, 2018, 04:55:21 PM »
Q1. If two people owe £6k jointly, both could take out a £3k loan each and pay off the joint loan. Lots of assumptions regarding credit worthiness etc.
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Mohican
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Re: Advice please.
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Reply #5 on:
September 10, 2018, 11:54:34 AM »
Tx people. Suggested the two loan option and that's whats happening.
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Cymru am byth
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