Things getting serious/bailiffs have been - help!

LilyBart

Hello saf,
It's rarely a good idea to tell creditors that you're going bankrupt. Given your mum's dementia, it might be a good idea to write some strongly worded letters to your creditors saying that you are taking advice. (If you haven't already taken advice from one of the recommended charities, get their number from the sticky at the top of the board and call them now.) If any of your creditors attempt to doorstep a woman with dementia, they'd be in a lot of trouble. Anyway, this is effectively a "bump", so if anyone has a useful template letter for saf to send, please point him/her in the right direction.
Thanks
Lily
ps apologies to paulc for hijacking!

saf1976

Thanks Lily for your reply.

Could I tell them that when they call, that I am seeking advice and that my Mum has dementia.

From what I have read they cannot force themselves on to your property? But if she was to open the door could they then come in?

mazzatee

Hi Paul

If the creditor that got the CCJ has gone back to the court then it is usual for you to get a letter from the court informing you of a bailiffs visit. You have the right to refuse them entry as they have no powers (yet!) to force entry.

The bailiffs will then go back to the court which should buy you enough time to get your bankruptcy order from the court.

It could be that they are debt collectors but please remember these people have no rights so they cant force their way into your home and have no powers under law so you can politely tell them to go away! :rotfl: :rotfl:

girlinabox

saf1976 wrote: »

Thanks Lily for your reply.

Could I tell them that when they call, that I am seeking advice and that my Mum has dementia.

From what I have read they cannot force themselves on to your property? But if she was to open the door could they then come in?

The CAB advised me (before I went bankrupt) that although they cannot force their entry they will try a number of tactics to gain entry to the property, such as trying doors to see if they are unlocked, open windows etc. My advice is to tell your creditors that you are applying for bankruptcy and don't open the door to anyone you don't know. Not at least until you have got bankruptcy confirmed. I don't mean to scare you but the CAB made it very clear to me that this is what they try to do. Luckily I had no such problems myself.

girlinabox

girlinabox wrote: »

The CAB advised me (before I went bankrupt) that although they cannot force their entry they will try a number of tactics to gain entry to the property, such as trying doors to see if they are unlocked, open windows etc. My advice is to tell your creditors that you are applying for bankruptcy and don't open the door to anyone you don't know. Not at least until you have got bankruptcy confirmed. I don't mean to scare you but the CAB made it very clear to me that this is what they try to do. Luckily I had no such problems myself.

Sorry just to make it clear - I am referring to debt collecting agencies who have been sold the debt.

HelpMePls_2

Re forms, go to isolvencydirect.gov.uk and do all your forms online! I did mine yesterday, took about 2 hours but all done, I'm to court Friday or next week to get it all sorted.

Good luck!

paulc19

Thanks for the replies. I have received no correspondence from the courts so am guessing they don't have any powers....and....no callers today, even my dad came round this afternoon for extra reinforcement! Definitely going for it this monday, have the cash, done some of the forms...struggling a bit on assets, should i include stuff like tv, sofa, bed under furniture and will i be allowed to keep my laptop, i need it for work so have listed it under tools for work, don't know if this is correct or not..can anyone help?

Lensman_2

Most people say a value over £1,000 is significant to the OR.

Maybe you could halve that and list individual items worth £500 or more if sold second hand? You could use ebay to get an idea of this.

haleygrey

You dont need to list anything like that. The only thing the OR might be interested in is a car, if you have one.

girlinabox

haleygrey wrote: »

You dont need to list anything like that. The only thing the OR might be interested in is a car, if you have one.

Even then, if you use it to get to work and back or if you need it for caring for your mum (taking to appts etc) it is unlikely they'll want it.