Help Please, Im Bankrupt and didnt Know!!

confused?

patman99 wrote: »

It has been proved that the makers quoted mpg is way of the real mpg figure as it is obtained in lab conditions.

C?, head over to www.vegetablebiodiesel.co.uk. They are a good forum with experts who will advise as to whether you can get away with just using a mix of diesel & waste veggie oil (wvo is basically filtered to remove the bits of food, then left to settle (oil seperates and floats to the top, water sinks to the bottom) it is the lighter coloured stuff at the top that you want). There are plenty of places that have to dispose of waste cooking oil, including transport cafes and staff canteens.

Even if you can run a 50/50 mix, you will drastically reduce your fuel bill.

Please dont be offended by what im about to say but I do know what you mean about obtaining fuel consumption readings in 'lab' conditions, however good as it may be for sales pitching of the manufactureres products, Actual MPG will vary massively on journeys in real life situations.

Due to factors that affect MPG, the lab conditioned 'Official' mpg readings you are speaking of are near impossible to replicate on the road, and vice versa.

Although this is accepted as a standard and is used by proffessionals to determine MPG for vehicles for use on paper, its is not acurate enough to prove the actual mpg of a specific vehicle.

Hence the difference in £'s in real life.

(i really really know a lot about cars, not everything but A Lot)


I would reccomend people with time on their hands to look into the
possibilities of refining waste oil and using it as fuel/biodiesel however for my personal situation is isnt possible for me to do this.

I have in fact looked into this and concidered it many times,
I would say im not new to this and totally respect your opinion but unless the cooking oil comes with a few extra hours in the day im at a dead end concidering it further.

(You'll probably see most of my posts are between 00:00am and 03:00 am. this is when i sit down to eat my dinner and drink my cuppa.

posts betwen these times are from my phone while in the office or stuck in traffic).

I may even get an early night tonight, if im lucky. (00:08am)
best set my alarm for work. (06:30 am)

confused?

I had reply from HFC in regards to my SAR. They are saying that they will not process this without proof (copy of passport) and signature, and past addresses and dates moved before they will process this. once recieved they will supply such info in the 40 days).

They say my signature doesnt match the one they have on file.
(which it wont because i just wrote my name in print and put lines through? didnt sign it?)

Di i really need to send this level of info and past addressess? with dates?

surely if they have sold this on to a DCA and the DCA has made me Bankrupt then they should know who i am?

is there a letter i can reply with?

sooner better than later i'd like to get it sent back straight away

PARIS_5000

confused? wrote: »

I had reply from HFC in regards to my SAR. They are saying that they will not process this without proof (copy of passport) and signature, and past addresses and dates moved before they will process this. once recieved they will supply such info in the 40 days).

They say my signature doesnt match the one they have on file.
(which it wont because i just wrote my name in print and put lines through? didnt sign it?)

Di i really need to send this level of info and past addressess? with dates?

surely if they have sold this on to a DCA and the DCA has made me Bankrupt then they should know who i am?


is there a letter i can reply with?

sooner better than later i'd like to get it sent back straight away

Hi Confused

I would not send all that information to them if they were not sure that you are the right person then they should not have asked a debt collection agency to pursue you in the first place.

DCAS can really take the !!!!.

See this link http://forums.all-about-debt.co.uk/index.php and ask Never in Doubt to help you because he is really good with letters for DCAs.

confused?

PARIS_5000 wrote: »

Hi Confused

I would not send all that information to them if they were not sure that you are the right person then they should not have asked a debt collector agency to pursue you in the first place.

DCA can really take the !!!!.

See this link http://forums.all-about-debt.co.uk/index.php and ask Never in Doubt to help you because he is really good with letters for DCAs.

Thanks Paris 5000, My thoughts Exactly.

I'll Try the latter....later

PARIS_5000

confused? wrote: »

Thanks Paris 5000, My thoughts Exactly.

I'll Try the latter....later

Demand of your Signature

Invariably, you'll get lenders/DCA's writing back to you asking you to sign before they will provide anything to you. This is something that must be avoided at all costs or you ask a friend to do it, because some companies have been known to demand a signature then cut/paste it onto agreements so whatever you do - DO NOT give them ammunition for free. If a lender does write back asking you to sign, ask a friend to do it for you, using your name of course, or send the following letter if you'd prefer to play by the book;

---> Click Here to see what "Sign Digitally means
Dear Sirs,

Account No: XXXXXXXX

Thank you for your letter dated XX/XX/XXXX, the contents of which have been noted. In your letter you make reference to requiring my signed authorisation.

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature. If it is for Data Protection purposes then i can supply you with documentation to substantiate my identity to you. However, I note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address and so I have to ask, if you are so concerned that you are corresponding with the correct person why has it taken you so long to raise this?

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of Data Protection, listed in schedule 1 of the Data protection Act 1998:
7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity. As such, I look forward to receiving the documentation requested, within the next 14 days.

Yours faithfully

Sign digitally

Maybe try this letter.

confused?

Thanks Paris 5000

ive done an edit of the letter you posted , is this acceptable?

Dear Sirs,

Account No: XXXXXXXX

Thank you for your letter dated XX/XX/XXXX, the contents of which have been noted. In your letter you make reference to requiring my signed authorisation.

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature. If it is for Data Protection purposes then I can supply you with documentation to substantiate my identity to you. However, I note that to date you have happily sent my details and correspondence containing extensive sensitive private information to several debt collection agencies addresses in order to pursue the alleged outstanding balance of the alleged account, and so I have to ask, if you are so concerned that you are corresponding with the correct person why have I you sold & disclosed this information in the first instance, and why have these agencies been able to pursue a debt of this status and based on this uncertain information, petition for my bankruptcy.

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of Data Protection, listed in schedule 1 of the Data protection Act 1998:
7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity. As such, I look forward to receiving the documentation requested, within the next 40 days.

Yours faithfully

confused?

does anyone know if the above would be acceptable,

im sending this to someone who has sold debt on but have never been in contact with me at my address?

PARIS_5000

confused? wrote: »

Thanks Paris 5000

ive done an edit of the letter you posted , is this acceptable?

Dear Sirs,

Account No: XXXXXXXX

Thank you for your letter dated XX/XX/XXXX, the contents of which have been noted. In your letter you make reference to requiring my signed authorisation.

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature. If it is for Data Protection purposes then I can supply you with documentation to substantiate my identity to you. However, I note that to date you have happily sent my details and correspondence containing extensive sensitive private information to several debt collection agencies addresses in order to pursue the alleged outstanding balance of the alleged account, and so I have to ask, if you are so concerned that you are corresponding with the correct person why have I you sold & disclosed this information in the first instance, and why have these agencies been able to pursue a debt of this status and based on this uncertain information, petition for my bankruptcy.

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of Data Protection, listed in schedule 1 of the Data protection Act 1998:
7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity. As such, I look forward to receiving the documentation requested, within the next 40 days.

Yours faithfully

That sounds okay to me.

Choo_Choo_4

Confused ... in relation to your fuel costs, just keep receipts of each time you pay for the fuel (if you haven't already done so) - as you say it costs what it costs and if the OR would prefer that you did not work then ... ???

Your partner's income and expenditure has to be included with yours (unless it's a fairly recent set-up) - it makes sense ... they will only consider your % of the Disposable Income anyways then when requesting an IPO but before they will ask you to make an IPO your TOTAL Disposable Income generally has to be more than £100 per month.

Debtinfo - I would seriously doubt that the OR's are scanning this forum and then detecting who each poster is from IP Addresses etc ... BUT you are right in relation to LYING ... honesty is usually the best policy. Bankrutpcy forms will ask if you've owned a car in the past 2 yrs and/or if you have sold or transferred an asset to anyone for less than it's true value ... so by saying that the car is yoru auntie's they would still be able to recover it ...

But there's no need to do this anyways as the car is need for work purposes ...
Have you included the allowances for Holidays / Hairdressing / Sundries & Emeregencies / Birthdays & Christmasses etc ... Newspapers / Pocket Money for kids ...

At the end of the day your partners expenses MUST be listed in the HOUSEHOLD income if you are living as a family. Although YOU may not be allowed an exp. for Christmas / Birthdays it does not mean that your partner isnt' - she is not bankrupt!!!

confused?

Choo_Choo wrote: »

At the end of the day your partners expenses MUST be listed in the HOUSEHOLD income if you are living as a family. Although YOU may not be allowed an exp. for Christmas / Birthdays it does not mean that your partner isnt' - she is not bankrupt!!!

Hi Choo Choo,
My thoughts exactly, but the thing is who do i tell this to because the OR who is dealing with things wont listen to me when i explain this. they even put the phone down on me when i persistantly tried to explain.

Ive kept my reciepts so will submit them once i have a couple of months worth to give them.
They have no intrest in my car, the value isnt worth persuing and like you say, (and they know), i need it for work.

Also, i wouldnt lie any way i dont have any reason to, honesty is always the best policy. I've been 100% from the start and intend to stay that way.