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i still have access to my ex's email which she doesnt know and although I know this is wrong...i did it just incase something like this happened....i viewed the following email from a police officer to my ex
"""""Hi XXXXX,
I’ve spoken to a very nice chap from MBNA today (Huw Jones) who has intimated that they believe your account of the incident and will be writing the debt off against your name. They are hoping to transfer the debt to Mr XXXXX to be paid off, in agreed terms, by him. I am waiting for full confirmation of this as Huw needed to speak to another colleague who had just gone out to lunch (!). I shall then update Mr XXXXX and put their terms to him. Plan A would be for him to accept them as there will be no police complaint made by the bank who will then become the victim.""""""
from the above email i am now worried that the credit card company beleive her story, which is completely untrue.....because my accounts are frozen i am under such duress to accept the debt and hopefully carry on with my life....however its like blackmail that if i dont accept they will raise a complaint....can this type of thing happen???
ps if i do accept, without admitting fault etc and the debt is transferred to me can i take my ex to small claims court for expenses that i have incurred, as the fraud allegation was not actually proven, just that i accepted the debt as gesture of goodwill??
pps can i also proceed with a court action of defamation of character or will my acceptance of debt not allow me to do this????
thanks