Personal loan from my Mum - Advice needed

[SingleMumAndProud]

Hello. Basically through my husband being a useless twat we have ended up owing my mum about £5000. We have now split up and he is being funny about paying towards it.

I am now a single Mum to a baby and a toddler and have more outgoing than incoming. He is paying me £40 a week maintenance but other than that his wages are his own - lives with Mummy, gets give money if he needs it for fags or a night out etc (on top of a full time wage).

Is there anything I can do to get him to pay it back? I just want say £100 a month or something, going straight to my Mum? She did it out of pure kindness and it came out of their savings. BUT we have nothing in writing and no proof of it!

Sorry that was a bit of a rant in the middle of a text arguement with him so its all a bit heated!

Has he paid any of it off? What was it spent on?

It was more of a gradual loan, may even be more than £5k. It was mostly when she would bail us out when we were too skint - or paid an overdue bill etc. Mostly when he couldn't be bothered to go to work, and didn't even tell me so I couldn't budget.

No, he hasn't paid anything

Did you have a joint account? Is there any evidence of the money going out of her account or into yours?
If there isn't a way of sorting it out via the divorce then sadly I think you're on your own :(
Speaking from experience though, it's far less hassle to to cut him off and try to sort it out in other ways than to chase around him for money he'll never pay.

I think that, sadly, Mumi is right. Unless there was a loan agreement drawn up (which amongst families and good times, there isn't usually), it's a case of just making him feel bad about the loan.

My sis ex borrowed £2k from my father and to this day has not paid it back. Although it was to help him & sis out at the time, he went and asked for it so technically should repay.

I am sorry for your Mothers loss of money though. You must feel terrible. However, I bet she is happier now that you are not together. Not that this helps.

Its not her loss - its mine! I will still have to pay it back!

Do you know if there is a way I can get him to sign a legally binding contract to say he will pay it back? Or his half if nothing else? It depends on the mood he is in at the time as to what he is like on it. If he agrees to pay it back next time I see him, I could maybe get some sort of legally binding contract drawn up for the repayments?

You would have to have it drawn up by a solicitor and only then would it be legally binding. It will cost you but if you have an idea of how much/how long, then I guess a local solicitor may be able to draw up a standard credit agreement pretty easily.