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need help with creditors petition

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  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    If all this is unlawful charges, I'd want my money back.

    :j :j


  • mazlass
    mazlass Posts: 41 Forumite
    Do you mean bank charges fiveyearplan? Yeh we missed the boat on that one. By the time we got around to claiming the hold was put on. Got our claim in with barclays, Lloyds tsb next. Maybe we'll get it back one day. Tried the hardship case with barclays with no luck.

    Thanks Fiveyearplan and Rog2 for your advice and interest. It has meant a lot.
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    No, I meant the charges they have been charging you £2,111.

    :j :j


  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fiveyearplan wrote: »
    If all this is unlawful charges, I'd want my money back.

    Personally, fyp, I feel it may go well beyond any 'unlawful charge' remit. I just think that the whole way that CC 'handled' the situation needs reviewing, from the 'serving' of the SD to the whole issue of 'charges'.
    Maz is fortunate in that she was able to allay the actual bankruptcy, but many a mere mortal would have just been 'brushed aside' by the steam rolling that has gone on.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    I was thinking if it was an ordinary county court case they could counterclaim but I don't think that is possible in a bankruptcy. I don't see how you can pay charges that aren't itemised but also agree if it was a choice of paying (and I could find the money) or going BR, I would pay up.

    Saying that, Maz hasn't said she's in any other financial distress or maybe this BR would have been beneficial.

    :j :j


  • mazlass
    mazlass Posts: 41 Forumite
    You are so right Rog2. I am trying to put as much info as i can on here, so ,hopefully if this happens to anyone else they are forwarned on what cc are capable of.

    If anyone is having trouble getting payments to conaught (they refused payment from me) then i have their account details if needed.

    It seems to me that what they are doing should not be lawfull and should be stopped.
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    mazlass wrote: »
    It seems to me that what they are doing should not be lawfull and should be stopped.

    Exactly, maz, and don't let the fact that you have paid money to this 'crowd' put you off from checking to see that their actions have been totally lawful.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • mazlass
    mazlass Posts: 41 Forumite
    I won't Rog. I'll get onto it when i get back from hols. Thankyou.
  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Try and forget about it while you're on your holiday. Have fun!

    :j :j


  • Debt_Monkey_3
    Debt_Monkey_3 Posts: 34 Forumite
    fiveyearplan wrote: »
    No, I meant the charges they have been charging you £2,111.

    The charges of £2,111 are probably petition costs. It is common practice for the petition costs to have to be paid in full before a creditor agrees to the withdrawal of the petition.

    Petition costs are usually between £1,000 and £3,000. They are fairly high as they include the legal fees for the petition, the costs for serving the petition and the bankruptcy petition deposit.
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