Help Please, Im Bankrupt and didnt Know!!

confused?

hopefulfooluk wrote: »

If it's jointly owned which it sounds like it is, you go through the standard low cost conveyancing scheme that the ORs offer.

If it's solely owned - which is more complicated - I don't see how your partner can own half unless you've done some jiggery pokery already.

Thanks,
It is joint owned however the letter asks my partner for her offer and says they want the name of both mine and the missuses solicitor? I.e one each...

confused?

Ive been in touch with the OR,
It IS NOT, as some people have pointed out essential for me or my missus to use a solicitor. it is an option if i wish.

Still not sure on the proces but i will keep you posted.

confused?

Ive been i touch with the princes trust today, about me asking them if they could wipe the debt i owe to them off.

They said because i am challenging it, if i win and get it anulled, we would be able to go thru things and come to some arrangement, (lower payments etc..)

if i remain bankrupt, they will forgive the ammount and not persue it as they feel it would be morally wrong to.

It Just shows you its worth addressing problems you have wiith your creditors, as they arent all blood thirsty and some do care.


(Thanks Princes trust, you really are good people, i will try and pay back what i owe even if you dont persue it !!).....

for anyone who wants to know, the letter i sent them was a request for writing off the debt, found on the national debt line standard letters. i modified it for my situation and added an income and expendature form.

standard letters are found here

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

confused?

Specific Details Temporarily Removed for security By Confused?

confused?

Any one? Know what I'm to do now?
Appart from filling the annulment form out and affidavit. Which I know I need to fill out. just don't know what to put down for it to be right? Thanks:-)

fermi

Ask on LB or CAG.

As I've said before, there are people there who have overturned such things. Get on there and ask.

You may not get any help , but at least you will have asked.

confused?

fermi wrote: »

Ask on LB or CAG.

As I've said before, there are people there who have overturned such things. Get on there and ask.

You may not get any help , but at least you will have asked.

Thanks fermi, I posted to LB but don't seem to be getting any response?
I forgot about the CAG forum link that was posted. Appologies.

It's what you get when you do everything from a phone, in the loo at work.

confused?

Specific Details Temporarily Removed for security By Confused?

tigerfeet2006

What you need to do is put your joint household bills down ie mortgage/rent, CT, utilities, groceries etc. Your personal bills like clothing and travel. Your full income and your OH contribution to the joint bills not her full wage. Does that make sense?

PARIS_5000

confused? wrote: »

It's been 21 days or 14 working days since I sent my request for information and my request for CCA to lowells ( who made me bankrupt) and HFO who claim I owe a settled debt.

Lowell acknowledged reciept of the CCA request but that's all I've had.
Does anyone know what I should do now.

Gonna go on legal beagles but thought I would ask here too

Have you sent the follow up letter account in dispute no CCA received but I am not sure if that applies to you now because they have made you bankrupt.

It shocking that they can make you bankrupt when they have no legal proof of the debt.