Help Please, Im Bankrupt and didnt Know!!

Sunnylooloo

Hang in there confused. Some CAB offices let you make appointments over the phone but there normally is a wait (last year I got seen in about a week but I have heard that some pepople have been waiting for a month...

good luck

confused?

Just been seen I have an emergency appointment tomorrow or rather a come early and Beat the que to be seen.
Apparently the cab rep I see tomorrow will be a specialist.
Now to the british legion, if they can't help at least there's a cheap pint on the go.

Just been seen I have an emergency appointment tomorrow or rather a come early and Beat the que to be seen.
Apparently the cab rep I see tomorrow will be a specialist.
Now to the British legion, if they can't help at least there's a cheap pint on the go.


Live bankruptcy action found here only on moneysavingexpert forums lol.

Regards
Confused?


Ps. I received another request for payment today from a debt I don't know anything about at all.
Apparently HFO are chasing a supposed account from Clydesdale. Do they just get up on a morning and think hey What the hell if he's not going to contest it before bankruptcy then we may as well all pretend to be owed money lol

Nitha

Are you writing to these companies and asking them to prove you owe these debts? Reason I ask is a company called MacKenzie Hall sent my hubby a letter claiming he owed money to them that he'd never heard about. The debt wasn't on his credit file etc. He wrote and asked for full details of the debt and the signed contract for the original borrowing and all of a sudden they replied saying they were no longer pursuing. Now I've read online that this particular company are a little dodgy but it could be worth writing to ensure your debts aren't statute barred or actually belonging to somebody else?

GMS

You can annul the bankruptcy by paying all debts in full and OR costs. This will be all unsecured only, not your mortgage as this is secured. Whoever said you need to repay your mortgage does not know what they are talking about. Work out what your total costs would be to repay all unsecured, and add on around £1700 for Official Receiver costs.
Firstly try for a section A annulment, where you prove it shouldnever have happened. Repaying debts is a section B.
282 1 (a) or (b) of the Insolvency Act.
Good luck with it.

confused?

Nitha wrote: »

Are you writing to these companies and asking them to prove you owe these debts? Reason I ask is a company called MacKenzie Hall sent my hubby a letter claiming he owed money to them that he'd never heard about. The debt wasn't on his credit file etc. He wrote and asked for full details of the debt and the signed contract for the original borrowing and all of a sudden they replied saying they were no longer pursuing. Now I've read online that this particular company are a little dodgy but it could be worth writing to ensure your debts aren't statute barred or actually belonging to somebody else?

Hi there, well I'm now stood outside the cab again waiting for it to open. Got an hour to kill so thought it update. Yes I'm going to prepare letters and post them recorded. This should have happened before it got this far however I never got the chance to defend myself as the documents they were supposed to send were never issued, or not to me or my address anyway. These letters are requests for all information. Also as you rightly say they are dodgy companies and act outside the boundaries set.



I even tried working out where I was and what I was doing on certain days claimed by Lowell to be days on which I received documents.

If you remember I said I turned a man away, well I have a piece of paper he left signed by him not saying where he was from, the paper said I have visited your property and you weren't there I will return such and such day to serve a stat demand....


like I would sware on any oath this is all I have never received anything else from the unknown bandit, via hand or the letter box.



And I have never received any document by hand or through the letterbox with any legal documents at all. This was on the day I told a bloke to get lost because I didn't acknowledge what he was stating. He never returned until 3 month later when he claimed to be from the county court.



Well I don't know about you but would you talk to someone claiming to be from a debt company then claiming to be from the court or would you ring the police.



He never showed ID either when asked.



I never took anything from him or was offered anything. Not sure what that day was without working it out but it was a Saturday morning and I remember England had played the night before?

Also I found an old credit report I printed off when I was looking to get a mortgage. HFO are Pursuing a debt that was settled over 6 years ago, but enough of them theyre not important.

There are reports on the report and it shows the time Lowell reported they took an account over? and these were shown as defaulted over 6 year ago also....... I.e . . . . Defaults are to my knowledge reported when payments are missed. I don't recall paying anyone anything in that 6 year time period.

Well after all this I'm unsure what to do whether to even try and annul it or just go ahead. I've spoken again with the OR who said they ask the details because they want to protect me not for any other reason so that made me feel a hell of a lot better.

Thing is I paid all my bills up for two month and took the rest out to put in my partners account to live off. So if they close my bank now that's sorted. I just need to move my wages to hers also then all's safe.

Is there any way I can get Lowell for perjury? Someone has obviously lied on oath...

confused?

I’ve been informed that the court that made the Bankruptcy Order may not have Jurisdiction over where I live, could this be true and could it be annulled because of it?

also anyone know where to get the annulment letter templates from, on the grounds it ought not to have been served because of the following scenarios:

1.There was false information within supporting evidence

2.The correct procedure had not been followed, making it impossible for me to contest.

3. Order Made Outside the courts jurisdiction (if it matters)
, my village comes under a different town to the court used.

In actually thinking of getting it annulled, fight to get ownership of my house transferred to my wife (all my beneficial interest), and try and get it wiped under the limitations act.

I will then if unsuccessful in getting it wiped, await further attempts to be served and let them make me bankrupt again this time I would go through with it. that way they would have paid even more money to do it all again, and risk not getting anything.

reason being me today visited the court and got copies of my documents that were supposedly served. that bloke who came has sworn on oath that he served the stat demand by post and the petition by hand. This is bull.... I’m after them now and won’t stop,


by the ways my letter box was broken on that day, I.E I had to selotape the hole up as it was rattling too much keeping us up all nigh!I did fix it the following day). the postman could vouch for that


Also my brother in law was at our house that day talking to the neibour, my partner told him that the bloke who came a couple of days was parked outside. And he told him to come back when I was in.

Thanks
Confused?

JPS29

confused? wrote: »

In actully thinking of getting it annuled, fight to get ownership of my house transfered to my wife ( all my benefitial intrest), and try and get it wiped under the limitations act.

I will then if unsuccesful in getting it wiped, await further attempts to be served and let them make me bankrupt again this time i would go through with it. that way the lying ##*&ers would have paid even more money to do it all again, and risk not getting anything.


Confused?

Would be great if it worked like that mate but if/when you do eventually go bankrupt the OR will go over your details with a fine toothcomb asking have you disposed of any property for less than market value or words to those effect. By giving it to your OH you would fall foul of this and it would still be recoverable.

confused?

JPS29 wrote: »

Would be great if it worked like that mate but if/when you do eventually go bankrupt the OR will go over your details with a fine toothcomb asking have you disposed of any property for less than market value or words to those effect. By giving it to your OH you would fall foul of this and it would still be recoverable.

Yes your right finding stuff out every day.

My main problem at the minute is finding a bank for my wages and debits nightmare. No one will touch me it sounds. I've had exemplary accounts with my current accounts but I imagine they will be frozen soon enough (what a nightmare).

confused76

have you tried the coop cashminder account or the barclays basic account? both are basic accounts but allow DD's etc these are the two br friendly ones

don't apply online though, phone them or go into a branch

Sunnylooloo

confused are you helping out confused..... Gosh that gets confusing............

Sorry bout that...........