Journey into BR by Nervous Mother

nervousmother

funny you say that, Oh has just asked if we should go away for a long weekend over easer, a friend has a caravan at skegvagas so we may ask if its available, depends on the wether really though i dont fancy it if its like it is today, the kids will get bored with no internet.

OH doesnt understand how I feel, he is able to shrug things off and his first comment was 'good on him'. I am not able to just walk away, the new buyer is a landlord of my works, I think he is moving into it and renting his place out (he has 30 properties) this means I will be sending letters to my old address on a weekly basis, unable to forget. I know I should feel happy for him, and with BR we have no more debts.. but I cant!! maybe things are too raw. I have surprised myself with these feelings, afterall I wanted to move out of the last place!

I am glad I have this board. Thanks Merry.

I wish the weather would improve, i need to keep busy. Gardening in gales is no fun :-) I dont know much about gardening, it will be my new hobby, the lawn is full of water.. think this house was built on bog land! we are built on a slope and had the house leveled out, this leaves 20 steps outside the back leading down to the lawn.. nothing grows well maydo some research onto what plants will grow down there. not much sun hits it...

Merry_Gentry

It's weird how different men and women handle things. And good that he's thinking of time for the two of you as well.

philnicandamy

i'm not saying a word merry...;)

nervousmother

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Shiku_2

NervousMother, glad ur feeling much better and sorry u had such a bad experience with the Trustee.... Thats an awful thing to have gone through... just want to say thank u so much for your diary, it has been incredibly informative and answered alot of my questions. I've been seeking advice re my rented property and have been told this would be disposed of regardless of having negative equity if I don't live in it as it is seen as a business asset..... I assumed all contact with the OR and Trustee would be via telephone..... but I was wrng!!

Good luck with everything x

philnicandamy

31.2.5A Cherished/personalised registration marks (inserted August 2008)
A registration mark can be defined as the characters that are shown on the number plate of a vehicle. A number plate is the plate fitted to a vehicle. A registration mark is also commonly known as a registration number.
When establishing the value of the vehicle, consideration should also be given as to whether there is a value to the registration mark, which there may be if the registration mark is special or unusual. On its own a registration mark is not an item of property and the owner of the vehicle does not have legal title to it. Instead the owner of the vehicle purchases the assignment right to the particular mark from DVLA. The sale involves a legally binding contract between the Secretary of State and the purchaser for an agreed price. The purchaser is granted the right to assign the mark to a vehicle registered in his/her name, or that of his/her nominee where applicable, within a 12-month period. The assignment right is granted to the purchaser alone and the right cannot be transferred to anyone else. Any nominee has no rights to the mark.
Once the cherished/personalised registration mark is assigned to a motor vehicle it remains with the vehicle. The registered keeper of the vehicle has limited entitlement to the registration mark and, before a sale or transfer of the vehicle, can in most circumstances apply to transfer or retain the mark.
From 1 October 2001 motorcycles/mopeds are also able to hold a cherished/personalised registration mark.

31.2.5B Cherished/personalised registration marks and implications for official receiver (inserted August 2008)
As a registration mark is assigned to a vehicle, not the registered keeper the official receiver will need to consider the registration mark’s value at the same time as dealing with the vehicle it is registered on. When a vehicle is sold or otherwise disposed of, entitlement to the registration mark will automatically pass to the new keeper unless it is dealt with beforehand. This means that if a vehicle is exempted without first dealing with the registration mark, then any value the registration mark has will be lost to the estate. See also paragraphs 31.2.25A and 31.2.33 to 31.2.38B for more information on exempting vehicles and realising the value of cherished/personalised marks.

31.2.5C Valuing a cherished/personalised registration mark (inserted August 2008)
An initial value may be established for the registration mark by either asking the official receiver’s agents for a valuation, or by contacting a number of specialist agents who can be found on the Internet. There is also a trade association which has set certain standards of trading for dealers of registered numbers, the Cherished Number Dealers Association. A list of members who may be able to provide a free valuation of the registration mark can be found on their website: www!!!!da.co.uk/.../members.html

31.2.6 Insurance
Where a motor vehicle is an asset of the insolvent's estate it is important to establish the position with regard to insurance on the vehicle. If the vehicle is already insured, the official receiver should ask to see the certificate of insurance to confirm that the cover is both adequate and up to date. Where the certificate is not available, the broker/insurer should be asked to confirm that the cover exists and is sufficient for the vehicle in question. The insurers should be notified of the insolvency.
Where there is no insurance on the vehicle arrangements should be made for it to be insured. The insurance should be effected using the official receivers arrangements with Willis Limited (see Chapter 49 Insurance).

nervousmother

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Shiku_2

That's quite a scenario u have had there Nervousmother... I'm dreading it, but am gna go see my local CAB tmrw and see what they have to say before I fill out the forms..... good luck with everything, i hope the months u have during BR are a breeze.... xx

Tobiwan_Kenobi

Thank heavens for small victories - Well done NM.

nervousmother

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