Help Please, Im Bankrupt and didnt Know!!

confused?

PARIS_5000 wrote: »

That sounds okay to me.

Should i send them a utility bill and proof of addresses though? does it ask for this in the CC Act?
or should i write this into the letter?

PARIS_5000

confused? wrote: »

Should i send them a utility bill and proof of addresses though? does it ask for this in the CC Act?
or should i write this into the letter?

Just send the letter and see what they say in their repy first before you send in any id.

patman99

I do hope for your sake that this doesn't drag-on much longer. The sooner you can gather your evidence & clear your name, the better.
As your OR is being such an ar5e, could you not request a change of OR, or if not, write a stiff letter of complaint to his boss.

SinkingFast

Confused? I came across your thread tonight and have read it through from the beginning. I don't have any advice to offer you. I just wanted to tell you how strong and dignified you are coming across. You are a credit to your family.

I declared myself bankrupt in 2001 after my husband left me with a 9yr old and a 1yr old. It was the most humiliating and torturous experience of my life.

I really feel for you, your partner and your child because it is a very stressful experience to go through when you do it voluntarily, never mind the fact that your family have found themselves in this situation without knowledge or choice.

I hope you have the strength to continue fighting this until you clear your name and prove to everyone who has done you wrong in this situation that you were true to your word all the way through.

I also understand how important it is to want to give your children things, I declared myself bankrupt 7 days after my daughter's first birthday.

Keep going, hang on in there and keep following the fantastic, helpful advice you have been receiving on here - you will get there. One day soon we will hopefully read about your annulment!

PARIS_5000

Hi Confused

What happening ?

confused?

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FYI

I do appologise but i have had to temporarily remove certain info from this thread for security reasons.

I have coppied the thread for future reinstatement, to let people know how I whent about things but untill then I will need to remove certain things for my and my families security.

I have had strange hooded visitor on more than 2 occasions in a 59 plate white audi A6 coming to my home while ive been at work when my mrs and baby have been in the house on their own.

The visitor hasn't nocked on the door or tried to get anyones attention, and havn't posted anything, They have however been on my property for longer than you would expect for a sales call, Making me think they were looking for something.

(I do hope they come when im in as i may then aquire myself a new Audi A6 that probably will do better MPG than my Car even whith a Full Boot Compartment) ;-) lol.

Im still wondering who this could have been and what they were doing for 10 minutes

Im at the moment wondering i they Were they looking through my bin's thinking noone was in?

I know the above as i reccorded this on my CCTV system and my mrs rang me at the time it happened and told me someone was snooping.

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Thanks
Take Care All and Speak Soon

C?

confused?

i had to post a random reply im on 98 posts and want 100 before i go bed :-)

confused?

PARIS_5000 wrote: »

Hi Confused

What happening ?

Hi all thanks for ALL your continued support, its much appreciated sorry i havnt kept you all posed over the past two week, i thought i'd block everything and concentrate on my family and work for a couple of week. its been quite a refresh and has charged my batteries.

Well atm im playing the waiting game,
HFC are now in default with the CCA which i reminded them of today with a default letter.

The SAR still hasnt been replied to by either Lowell or HFC so im just awaiting the HFC's 40 day deadline before i send the letters before action to them both.

They did reply as i said before requesting a whole lot of info in which i replied to them with the letter posted earlier in my thread. basicly declining the request and stating the request still applied.

The thing is whats the point giving them my past addresses when theyve sold my account to a collector that has successfully made me bankrupt, surly they should know who i am if the bankruptsy has been allowed to go aheadwithout any adjournments? otherwise how do they know theyve bankrupt the correct person in the first instance?
(Threr are to my knowledge 4 people in my area with the exact same name?).

Im unsure if this was the right thing to do but its all unknown terratory so im testing the water as i go along and they have not replied however proof of postage says that they recieved it ok.

I really dont think they will have anything to send me?



The OR has been surprisingly quiet. im wondering if they are getting ready to take me to court for an Income Payment Order seen as though i declined their offer for the Income Payment Agreement based on the fact they hadnt taken into concideration my mrs's personal expences.

The other OR i saw about my car agreed with me in that they should have taken this into account, seen as though we live as a family?

I Dont know whats happening at the OR's Office but im keeping them in the loop with every letter and email, i wonder if theyre holding off in case i win and they end up paying a big compensation claim and loose all their fees.

They still havent given me the nill tax code, which is also strange as agreed to this?


Ive been in touch with the court and i have requested they supply me with ALL documents and every scrap of paper they have in regards to my case, im still awaiting the response, and ive sent them a reminder.

Well anyways i must continue to wait, i'll keep you updated as and when i get more info.

thanks again for all your support, any suggestions are appreciated.

Thanks
Take Care All and Speak Soon

C?

confused?

just had the exact same reply as before saying my signature doesnt match (i didnt sign it) and that they want past addresses and proof of identity with copy of my driving licence or passport, before they will post it.

the letter i sent was a default notice for the cca?

regards

c?

DVardysShadow

debtinfo wrote: »

I would be very very cautious about taking advice such as this. The OR can and probably does read sites like this. Im sure that they would have no trouble working out who you are from the info you have provided and so it would not be difficult for them to work out if you are being dishonest.

The court when considering an application for annulment can ask the the OR for a report on your cooperation and conduct in making their decision.

having said that there is nothing wrong with negotiating if you genuinely feel that all of your expenses have not been taken into consideration, it is an agreement not an order, but you must not make up expenses that are not real as has been suggested

I would be really surprised if this were the case. It has already been stated here that the grounds for annulment are either paying off the debts or procedural errors in the granting of the order.

In either case, I cannot see 'behaviour' subsequent to bankruptcy is the least bit relevant to lifting the order. Bankruptcy is not actually intended as a punishment and I cannot see any benefit in refusing to annul if the grounds for annulment are fulfilled, regardless of failing to cooperate with the OR or whatever.

Perhaps annulment is being confused with discharge, where the bankrupt's conduct may well be taken into account.