Help needed, heavies at the door!

mlz1413

I have to say any one who goes to the effort of cancelling a DD with their bank and then doesn't contact the LL or LA really is being daft.

Commerical lets are entirely different to residental and I would hasten to add most insist that the property is given back in the same condition as let - THERE IS NO ALLOWANCE FOR WEAR & TEAR. From what you say your friends husband isn't going to listen, but I would urge him to thoroughly clean the place out and repair any damage that may have happened or the LL will be billing for it on top of what he owes.

I'm not sure about the legal side of how they can collect money but with your last post I would urge her to see a solicitor.

v8monkeyboy

I think he was planning to speak to the landlord, but don't know of they have any of the money to pay him.

I won't get to speak with my friend until 5ish tonight, so may be back with a few more questions.

Once again, thank you all so much for your very useful replies, and for realising that sometimes things can just go horribly wrong for normal, ordinalry people.

T

GDB2222

v8monkeyboy wrote: »

Thanks again. They have 3 kids, so filing for bankruptcy would see them homeless, as some loans (after CCJs) are secured on the house.

Unless they have simply masses of equity in the house, it's all going to unravel in the next few months, anyway.

v8monkeyboy

mlz1413 wrote: »

I have to say any one who goes to the effort of cancelling a DD with their bank and then doesn't contact the LL or LA really is being daft.

Sadly, that's what he's always done. It works with big organisations like councils, British Gas etc. in their experience, and would normally allow them to get the money together.

I'm not sure about the legal side of how they can collect money but with your last post I would urge her to see a solicitor.

I know he's asked the CAB, but I don't know if they can afford a solicitor.

I'm really not trying to make it seem like there's a reason for them not doing any of the suggestions which have been made, but their lack of money is really quite scary. Not very long ago, I had to employ her in a 'nothing' job in order that she could put food on the table for the kids.

v8monkeyboy

GDB2222 - about £15,000 is what would be left if they sold now and paid the secure debts.

Jockey666

ali82 wrote: »

I would park the car down the road, that way they can't take it away

Really how does that one work then?

Almost sounds as if you can only have a car stolen from your home address or place of work.;)

GDB2222

v8monkeyboy wrote: »

GDB2222 - about £15,000 is what would be left if they sold now and paid the secure debts.

The trouble is that they face possible repossession over the secured debts, anyway. Would the £15k surplus pay off everything else?

I know, by the way, that I am sounding rather heartless. It's not that. I am just trying to be as realistic as possible.

Trollfever

CAB do not normally deal with business debt.
Try this:

http://www.bdl.org.uk/

mlz1413

v8monkeyboy wrote: »

I know he's asked the CAB, but I don't know if they can afford a solicitor.

I'm really not trying to make it seem like there's a reason for them not doing any of the suggestions which have been made, but their lack of money is really quite scary. Not very long ago, I had to employ her in a 'nothing' job in order that she could put food on the table for the kids.

V8 it sounds like you are friends of both of them as you employed her to put food on the table. Which is a worry when he is signing lease agreements for £800pm when they already take home less than the outgoings.

From a 3rd party view point I would make yourself some rules now about how much you are going to help them out as a couple and as indiviuals as I think over the next few months you will be called on more and more if you have the ability to help them out. Unless you are an exceptional strong charater I can see you being pulled into their problems emotionally.

I'm not saying don't help I just think before !!!!!! hits the fan you need to seriously think about how much you want to help.

Really good luck to you and especially to your friends sounds like they need all the help they can get.