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Are the bailiffs coming??
Comments
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if you are in receipt of certain benefit you can become bankrupt for free.
best advice i can give you, is the same as coolcait, go and see the cab.
good luck0 -
Hi elkay
Not sure if you have seen before but national debtline have a section for people that live in Scotland, it might be worth checking it out
click here
They have factsheets, template letters and an advice line
All the best getting this sorted out£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
Frazeroony wrote: »if you are in receipt of certain benefit you can become bankrupt for free.
best advice i can give you, is the same as coolcait, go and see the cab.
good luck
On the Accountant in Bankruptcy site, which is the Scottish site for going bankrupt, it still says it costs £100 to go bankrupt.
Fee
It will cost you £100 to apply for your bankruptcy, there are no waivers or exemptions for this fee. It is non-refundable. Payment can be made by cash, cheque, debit card, or postal order.
Ways to pay:- post - do not send cash by post
- in person
- at a bank
http://www.aib.gov.uk/MainNav/Services/Legislation/accesstobankruptcy/Debtorsapplication/apply
I will call the CAB on Monday though and try to get an appointment.0 -
poorandindenial wrote: »Hi elkay
Not sure if you have seen before but national debtline have a section for people that live in Scotland, it might be worth checking it out
click here
They have factsheets, template letters and an advice line
All the best getting this sorted out
Thanks for that, but I used that site before for template letters hoping some creditors would accept token payments, none of them were willing to let me do that. I did manage to get the interest frozen on one account though.0 -
Hi,
It was the case, just a few months ago, that when you declare yourself bankrupt at the Sherriff court of your choice if you get income related benefit you are exempt from the charge. Your local CAB would be better able to advice you.
I hope this helps, when you go to the CAB try to take all of your most recent letters from any debts you have.0 -
Frazeroony wrote: »Hi,
It was the case, just a few months ago, that when you declare yourself bankrupt at the Sherriff court of your choice if you get income related benefit you are exempt from the charge. Your local CAB would be better able to advice you.
I hope this helps, when you go to the CAB try to take all of your most recent letters from any debts you have.
Anyone got a loan of a suitcase for me to take all my letters in?:rotfl:
It was a couple of months ago that I last spoke to CAB and they pointed me to the Accountant in Bankruptcy site, and told me it was £100. I will check with the CAB that it can now be done free when I call them. The AIB has a number too, just office hours though, so I may give them a call on Monday too.
So does anyone know for sure though, if that letter I got means that the bailiffs will be appearing anytime soon? I don't usually answer my door anyway unless I know someone is coming to visit me, but would still like to know what or if they can do anything, if anyone knows.0 -
Hiya
I think you're right that you have to pay the £100 fee, even if you're on benefits. I think it's part and parcel of the changes that were made in April, when the Low Income Low Asset bankruptcy came in, and you don't have to go to the courts any more to make yourself bankrupt.
As far as bailiffs are concerned, Scottish law is different . As Frazeroony has already said, they would need an exceptional attachment order to be able to enter your property. It doesn't sound as if your creditor has one of these.
I'm also concerned that they're talking about a summary warrant, yet it doesn't look as if one has been served on you. So, how valid is it? (I don't know the answer to that question, but CAB might!).
There's a lot of stuff on this forum about bailiffs, so it's worthwhile doing a search. I think the one thing I remember above all is : DON'T LET 'EM IN!
HTH a bit - but please try to have a word with CAB on Monday, as they might know more about the details.
Good luck!0 -
Thanks. I will give CAB a call on Monday. No chance of anyone getting an answer at my door anyway unless it's someone I know is visiting. It's just I know my mum is coming to visit in a couple of weeks and don't want to answer the door thinking it is her, to find it is the bailiffs. :eek:0
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Hello,
I filed for Bankruptcy in Scotland with the AIB. They recieved my application on the 5th Sept and being on benefits/low income case they sent out the declaration to sign that you are on such said benefits, have no assets over £1000, no property etc which I recieved on the 9th Sept and returned it on the same day.
I haven't heard anything back from the AIB todate (27th Sept).
However, this morning I recieved a letter from Sheriff Officers stating that they will be attending where I live on the 6th Oct to do an "attachment of goods".
I share the property with a few other folk so basically I only rent a room from a private landlord.
Can anyone please advise me what to do as I'm in a right panic !
Do I call the Sheriff Officers and tell them that I have filed for bankruptcy with the AIB and they recieved all the relevant documents on the 5th Sept ?
Or what do I do/say when they turn up at the door ?
Do they have right of entry ? What about my flatmates belongings ? I have no assets that they can take but my flatmates do and this is what's worrying me.
Any advice would be greatfully appreciated as I'm getting myslef in a right state and being the weekend the AIB is closed as most solicitors for advice.
Please help !
Thanks in advance,
George0 -
Hi George,
As you can see I haven't really had anyone able to answer my question regarding whether I am going to have the Bailiff's at my door, but thank you to those who have offered advice so far.I thought someone on here would have known the answer but guess not
I think you would be better off posting your own new thread and asking for advice there. I hope you get things sorted soon and know how worrying it all is. I am scared too that I will end up with Bailiffs (or Sheriff Officers) here before I manage to get the money together to declare myself bankrupt.0
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