Ex threatening small claims

[Dimond]

Hi all
I repeated from my ex partner In August 2024
And just recieved the attached letters

[Dimond]

This is what I'm thinking of responding with

16 June 2026


Re: Your Letter Dated 3 June 2026

I acknowledge receipt of your letter dated 3 June 2026.

I fully dispute your claim for £1,179.21 and deny that any sum is owed to you.

The February 2024 Agreement

I am aware of the written agreement dated 20 February 2024. However, the circumstances upon which that agreement was based changed significantly and, by mutual agreement, it was superseded by a new arrangement in January 2025.

You will recall that we did not separate until the end of August 2024 and continued to share financial responsibilities until that time.

The written agreement specifically referred to the tenancy deposit from ******* being used to reduce the NatWest overdraft when I left the property. However, in January 2025 you chose to bring our financial arrangements to an end immediately. We attended NatWest together, closed the joint account and settled the overdraft equally between us.

At the same time, you demanded the return of your share of the tenancy deposit and were pursuing the letting agents regarding its release. As a result, I paid you your share of the deposit and the tenancy deposit was transferred into my sole name.

This arrangement was entirely inconsistent with the written agreement of 20 February 2024 and effectively brought that agreement to an end. I hold bank statements and correspondence which evidence these events.

The January 2025 Agreement

At the time the joint account was closed, we agreed a new division of responsibility for the remaining debts.

Under that agreement:

- I would assume responsibility for payments towards the Sainsbury's credit card account in your name; and
- I would assume responsibility for the outstanding Tax Credits debt in your name; and
- You would assume responsibility for the Tesco credit card account.

You personally entered my bank details for the Sainsbury's credit card and Tax Credits repayments and were fully aware of the arrangement.

Since January 2025 I have made the agreed payments consistently and without interruption. I possess bank statements evidencing these payments together with correspondence from you demonstrating your knowledge and acceptance of this arrangement.

Accordingly, your assertion that I have failed to pay my share of our liabilities is incorrect and is expressly denied.

Washing Machine

I also fully dispute your allegation that I purchased a washing machine without your permission.

In January 2023, whilst you were in hospital, you entrusted me with your bank cards and instructed me to use them as required. Your credit card had already been authorised by you for use through my PayPal account and had been used previously with your knowledge and consent.

The washing machine at the property had become unsafe and unusable after catching fire during use. A replacement was therefore required for the benefit of the household.

The replacement machine was not purchased for my sole benefit. It remained at the property and was used by both of us for approximately nineteen months until you left in August 2024. At no point during that period did you object to the purchase, request reimbursement or claim that the purchase had been unauthorised.

Your allegation, made more than three years after the purchase and following nineteen months of shared use, is rejected.

Property and Contents

When you left xxxxxx in August 2024, I was left to deal with the clearance of the property, end-of-tenancy cleaning and associated costs. You also left personal possessions which I subsequently had to arrange to be returned to you.

Furthermore, you informed me that I could retain or dispose of any remaining furniture and household items as I saw fit because I was relocating to live with my daughter.

In those circumstances, I reject any suggestion that I owe you compensation in respect of household items remaining at the property.

Conclusion

For the reasons set out above, I deny liability for the amount claimed or any other amount.

Should you choose to commence legal proceedings, I will defend the claim in full and rely upon the documentary evidence in my possession, including bank statements, correspondence and records of payments made under the January 2025 agreement.

I therefore consider the matter to be formally disputed.

Yours sincerely,

[Dimond]

Any advice please

[efpom]

Do not respond.
If a claim issues, that's the time to serve & file your defence.

[atticus]

I would reply with your reasons for denying liability, assuming that those will be the reasons behind your defence to any subsequent court claim.

[Dimond]

So is the reply above im thinking of sending ok?

[atticus]

If it is factually correct, yes.

[Dimond]

Yes it's factual