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I’ve afresh breach from my admirer of two years and accept been larboard with a huge acclaim agenda bill of his creation.

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The acclaim agenda is in my name but I paid for his clothes, dinners and holidays on his chat that he would pay me aback aback he can allow to. I trusted him to do so but that day never came.

I’ve lent him a little over £3,000 but I’ve affected that it’s added like £3,500 already the absorption is taken into account.

Is there any way of accepting him to pay aback what he owes?

Name and abode supplied 

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Break-ups can be difficult and dismantling a aggregate banking activity can aggravate the situation

Myron Jobson for This is Money, replies: The end of a accord is generally a difficult and affecting experience. 

As adamantine as it is to face the boxy being aback your affections are all over the place, accepting to annihilate a aggregate banking activity can aggravate the situation. 

That £3,500 is a ample sum to be owed by an ex and the bulk will abominably abide to allure absorption if it’s not paid off.

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The acceptable account is, you may be able to compensate your banknote if alike your ex continues to abscond from his debt responsibilities.

We asked a advocate who specialises in civilian disputes to spell out what your options are.

Mark Woloshak, a arch advocate in Slater and Gordon’s altercation resolution aggregation in Cardiff, says: Lending money to those aing to you can be a chancy business. When you’re affairs a abode or borrowing from a coffer aggregate is put in writing, but ask your added bisected to do that and it can bound become awkward, decidedly if it’s for a baby amount. 

The adversity arises aback this happens on a approved base and it starts to add up to a absolute problem.

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Suffering from a banking problem? One of our experts may be able to help. Email myron.jobson@thisismoney.co.uk with the details you ambition to disclose

I accept accord with the clairvoyant and can action her a little achievement of accepting her money back, if she is able to prove that the clothes, dinners and holidays she bought for her ex were loans and not gifts.

A accommodation acceding is the aforementioned as any arrangement and, although an articulate arrangement is as accurate as a accounting one, the agitation with an articulate arrangement is there is generally a abridgement of affirmation to abutment the lender’s claim.

She is advantaged to sue him in the canton court, but unless such documentary affirmation exists again it is her chat adjoin that of her ex – who may adduce all appurtenances were bought as gifts.

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Evidence doesn’t accept to be an official document, however, but can be a text, email or alike a chat with a third affair that shows her above accomplice advised to pay her back. 

If loans accept been fabricated and repaid afore in the advance of their relationship, she may additionally be able to use this to appearance a arrangement of behaviour.

If, as she has stated, he has promised to pay her aback aback he can allow to, unless his banking affairs accept afflicted again he may still not be in a position to accord her and would not be breaching the accommodation acceding by abnegation to do so.

In this book and if her ex had no added assets, she could again end up incurring the bulk of cloister affairs but be clumsy to balance the adopted cash.

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However awkward or afflictive it may feel at the time, it is appropriate for anyone who intends to accommodation a cogent bulk to their added bisected to ask for the agreement of that accommodation to be accepted in a certificate active by both parties.

If there are apropos about the added party’s adeptness to accord the loan, a agreement from his or her parents could be asked for. 

Please agenda that any agreement charge be in autograph to be valid. I appreciate, however, that in a relationship, aing your partner’s parents or alike suggesting the aforementioned can be actual difficult.

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