What will they take from us?

Bailesy27

Hi Guys,

I wanted to know what they are likely to take? Can anyone help?

Furniture
Kitchen Appliances
Pottery / Crockery
Books
DVDs
CDS
Clothes
Kids Stuff
Garden Tools

blind-as-a-bat_2

Unless garden tools include a sit on lawnmower or simaler then non of the above:D

Got2change

They will not take any of those things so stop worrying about that - this is the 21st century remember......
Items of a value of over £1000 should be declared as an "asset" on the forms, so be careful what you think of as an asset .
There is almost zero chance that anyone will come to your house to remove goods unless they ARE of high value - huge plasma TV, valuable antiques, cars, boats, caravans.... Do you have any of those?

Sunk

Your fine with those.
Only lists assets as already said over 1,000, in my case a car, zilch else.

Useless_with_wonga

Sorry to hijack but the OP touched on a point i was wondering about. We live in a Rural village and have 2 cars one valued at £500 and one at £800.
We have 2 because i need one to commute to and from work and the other is for the Mrs to get about when i'm at work pick up kids from school,go shopping etc etc. There is no public transport running in the village would we lose a car in BR (We would both go BR if it gets to that point so basically one car in each BR petition) or would we be allowed to keep both. We would have to stay in the local area due to schooling etc so no chance of living elsewhere. Thanks

Sunk

Hi
Useless with wonga

I am in the same situation as you, partner has a van for work so it was exempt.
I live rural, car needed for college/schools/shopping etc, no buses after 6.00pm or all day sunday.
The OR first off wanted my car as I do not work & believe it or not school runs/shopping etc are not essential:rolleyes: .
I then explained that public transport would be costly.
Anyway to cut a long story short I appealed against the OR's decision & won.
The OR looks at the running cost of the car not always the value.
So the cost of any public transport & an increase in fuel if my partner has to do any extra running around came on par with the running cost I put down on my SOA with regards to keeping my car.

skylight

Wonga - the car you have to get to work etc is definately safe. You need it for work, therefore at those small values you should be able to keep it.

The second car however, is not so safe. As its not needed for work, then its not automatically exempt (unlike yours). But use all you can for an argument to keep it - but TBH, its going to be pot luck on the second one as it depends on your OR. People here have kept cars, and others have not kept them.

Useless_with_wonga

OK guys thanks for the replies much appreciated. as i say not at the BR stage yet but i might go down that route when i have exhausted all other avenues.

Bailesy27

So in reality - most people have very little to hand over to the OR or you would have sold it already to try and resolve you situtaion - am I right and if so are they ok with this?

deedee_3

As long as you have not got rid of any assets and favoured one creditor in particular ie: a relation, then you should be fine.

Bailesy27

Are you allowed to pay back a relation money you owe them?