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CCCS_Matthew

surfstar75 wrote: »

Hi...today i recieved 8 recovery orders for unpaid penalty charges incurred during 6 months of stupidity last year. Im not a habitual parking fine collector and all the tickets were, im sure justified.

I want to face up to these and get them paid but my work as a carpenter is becoming thin on the ground and im worried about balliffs visiting the house i share with my girlfriend - could anyone advise what my best course of action is?

Kind Regards
Alec

Hi there Alec.

Normally you will be given 21 days from the order to repay the amount before them issuing a Warrant of Execution whereby the remaining balance will be passed to a bailiff to recover.

My advice would be to get in contact with the Council ASAP and try and come to some sort of payment arrangement. Although you might not be able to pay the fines off within the 21 days, some Councils will often allow you to spread the cost over so many months. If not, then they are entitled to pass the debt to the bailiffs where you will be able to make an arrangement to clear the balance. Just ensure you don't let them in as it's likely they will start to levy goods to clear the balance by taking posesssions.

Let me know how you get on
Matthew.

Let me know how you get on.
Matthew.

CCCS_Sarah

crazyfr!!!39 wrote: »

Hi, I've just been advised to apply for bankruptcy but forgot to ask a few questions first so i wonder if you could answer them for me.........

during the bankruptcy can i....

keep my current mobile phone contract? (£20 per month sim only)

keep my current utility bills in my name?

Any advice would be appreciated.

Hi Crazy Frog,

Mobile contract are something that the courts will deal with on a case by case basis. It is up to the Official Receiver, but as long as the amount you pay isn't really high and pay as you go wouldn't be a lot cheaper they will normally allow you to continue.

Your utility bills can stay in your name, though the courts will notify them that you have gone bankrupt. It has been known for utility companies to want to install prepayment meters following bankruptcy but not in every case. It would be down to the companies discretion how they would deal with it.

Hope this helps

Sarah

crazyfrog339

CCCS_Sarah wrote: »

Hi Crazy Frog,

Mobile contract are something that the courts will deal with on a case by case basis. It is up to the Official Receiver, but as long as the amount you pay isn't really high and pay as you go wouldn't be a lot cheaper they will normally allow you to continue.

Sarah

I have two mobile contracts (both identical) one is mine and the other is my sons (he is under 18 so it had to be in my name) will this affect their decision whether i can keep the contracts or not?

Also, what about car insurance? will i still be able to obtain car insurance on monthly payments? and will my existing policy be cancelled??

I started off feeling relieved that this would soo be over but now i'm beginning to panic about the things (like monthly insurance payments) i have taken for granted for so long!

moneysavingmumofone

Hi
Just wondering if a counsellor could help. A few months ago we were really short of money and stupidly got a payday loan. Last month we couldnt afford to pay it back and were a bit short again so paid the loan then got another slighly higher one out. Now we just cant even afford to pay the interest, could this loan be added to our dmp? Or will we just have to find some way of paying it?

icecube2009

one more question
one of my debts is with Next Directory (catalugue) can I include this on the DMP? I wasnt sure as I used it to buy a cooker before christmas (old cooker packed up & it was the only way I could afford one) if I include them in the DMP, would they come & take the cooker back? as i couldt afford to buy another one!
Thankls

CCCS_Matthew

crazyfr!!!39 wrote: »

I have two mobile contracts (both identical) one is mine and the other is my sons (he is under 18 so it had to be in my name) will this affect their decision whether i can keep the contracts or not?

Also, what about car insurance? will i still be able to obtain car insurance on monthly payments? and will my existing policy be cancelled??

I started off feeling relieved that this would soo be over but now i'm beginning to panic about the things (like monthly insurance payments) i have taken for granted for so long!

Hi there.

Whether you can keep both contract phones would be up to the Official Reciever to decide, and you would be able to discuss this with them on your post bankruptcy interview.

As far car insurance, there should be no need for your policy to be cancelled unless the provider has made clear that being bankrupt invalidates the agreement. Most future providers should allow you to pay on a monthly basis.

Hope this helps,
Matthew.

CCCS_Matthew

moneysavingmumofone wrote: »

Hi
Just wondering if a counsellor could help. A few months ago we were really short of money and stupidly got a payday loan. Last month we couldnt afford to pay it back and were a bit short again so paid the loan then got another slighly higher one out. Now we just cant even afford to pay the interest, could this loan be added to our dmp? Or will we just have to find some way of paying it?

Hi there,

Technically taking out a Payday loan has broken the conditions of the DMP as it would be classed as taking on further credit. However in some cases extra detbs can be added onto a DMP if it can be justified. Your next step is to give us a call so we can discuss it in more detail and see if we can get something sorted out, as you don't want to carrying on the way you are as you will be stuck in a vicious circle.

Regards,
Matthew.

CCCS_Matthew

icecube2009 wrote: »

one more question
one of my debts is with Next Directory (catalugue) can I include this on the DMP? I wasnt sure as I used it to buy a cooker before christmas (old cooker packed up & it was the only way I could afford one) if I include them in the DMP, would they come & take the cooker back? as i couldt afford to buy another one!
Thankls

Hi there,

Yes you would definitely need to include the Next debt in the DMP. Products taken out of such a catalouge are subject to standard credit agreements, and therefore the finance is not directly attached to the item. With that in mind, Next will not take your cooker if you stop paying the agreed payments.

Hope that helps,
Matthew

icecube2009

CCCS_Matthew wrote: »

Hi there,

Yes you would definitely need to include the Next debt in the DMP. Products taken out of such a catalouge are subject to standard credit agreements, and therefore the finance is not directly attached to the item. With that in mind, Next will not take your cooker if you stop paying the agreed payments.

Hope that helps,
Matthew

Thanks, was hoping I could include it as dont have the money to pay it, didnt want to loose my cooker though!:eek:

crazyfrog339

CCCS_Matthew wrote: »

Hi there.

Whether you can keep both contract phones would be up to the Official Reciever to decide, and you would be able to discuss this with them on your post bankruptcy interview.

Hope this helps,
Matthew.

Hmm.... By the time i get to the post bankruptcy interview it will be too late to stop them cancelling my contracts wont it?? any suggestions as to how i could work around this? I'm not planning on telling my son anything about the bankruptcy but he would notice something going on if his phone was suddenly cut off!

It may sound trivial that i'm worried about mobile phones but i'm disabled and need to be able to contact someone if i fall or breakdown in the car etc. My son needs a phone so i can contact him. i dont pay for his contract, he pays it himself out of his weekend job wages- could this fact make a difference to one of the contracts? do i even have to mention this 2nd contract with me not paying for it?