The Bankruptcy Club & Supporters Club

bizzylizzy

sandralovescats wrote:

Thought this might put you in the mood for Christmas!


This is my all-time favorite E-Christmas card (its back
!!!)...Watch Santa's leg...


> http://www.mesasoftware.com/merrychristmas.htm

I love that!

How did the interview go?

smokey112

Lone_Traveller wrote:

Hi Mike and members

Im new to this thread but not the forum.

I currently feel like Im staring Bankruptcy or "Sequestration as I live in Scotland"
down the Barrel of a Gun!

Im suffering from all the illments ie Sleepless nites, can,t concentrate on my job, isolated, guilty etc the list goes on.

My questions are:

Is there any member out there who,s been through the process of BR or SQ in Scotland ?

How did you find it?

Are the general procedures rules, laws the same as in England and Wales?

Are they harsher in Scotland?

Ive checked out the Scottish Insovency Service website so am aware of Temp and Permanment Trustees etc.

On a different note in regards to housing have any BR or SQ members rented property privately whilst BR or have they found Brickwalls going up down this route?

As obviously if I go down this route my future housing is one of my main concerns.

Thanks in advance for any help in these matters and just somewhere to go to ease the burden.

Yours Lone Traveller.
SOA and footnote

I’m married have no dependent children living with me however I am pay Child Maintenance for 1 Child aged 15. I work away from home 8 months out of the year split 4 months away and 2 at home.


[/B]

Hi Lone Traveller

to answer your questions we sequestrated ourselves last year
we paid a company money (which was a silly thing to do) -but they did give us invaluable advise and they filled in all the papers and found a Trustee for us. The cost for BR in Scotland is £63 - and you dont have to appear in court - our papers where filed at the start of October and we where declared BR at the end of October.

As you are up to date with all of your payments you may find it difficult for you to declare your BR as you need to have has Charge for payment or a Statutory demand served.

Our largest creditor (with an unsecured loan and o/draft) was the same bank with which my mortgage is with - we had no arrears and have bought out the "beneficial interest" from the Trustee so the house is safe. My OH had to have a third party buy out his "Beneficial Interest " in his soon to be ex-wife home as legally he still has an interest and it was estimated at £25k

If you want any more info just ask

HTH
Ang
x

sandralovescats

bizzylizzy wrote:

I love that!

How did the interview go?

Well, I have to go for an assessment day now - waiting for the date.

In the meantime I found another company that operate exactly the same way, same job, same conditions, etc, so I have two irons in the fire!

Mike_St_Helens

Dear god... Ive recieved a letter from Liverpool councils bailiff stating that they are now going to send the case to a magistrate for my commitall to prison.. When will this ever stop !

rog2

Mike_St_Helens wrote:

Dear god... Ive recieved a letter from Liverpool councils bailiff stating that they are now going to send the case to a magistrate for my commitall to prison.. When will this ever stop !

It DOES take time Mike, but remember your br debts are no longer your responsibility and any correspondence of this type should be passed immediately to your OR who should deal with them for you.

makingendsmeet_2

Mike_St_Helens wrote:

Dear god... Ive recieved a letter from Liverpool councils bailiff stating that they are now going to send the case to a magistrate for my commitall to prison.. When will this ever stop ![/QUOTE

Did they enclosed a prefered menu for prison xmas day lunch lunch Mike? Or even ask you what you would like in your stocking? No!!!! Just a threat then!

monkeyy

Mike_St_Helens wrote:

Dear god... Ive recieved a letter from Liverpool councils bailiff stating that they are now going to send the case to a magistrate for my commitall to prison.. When will this ever stop !

Crikey:eek: best pass that straight on to your or and let them deal with it.its still stressful recieving these letters but remember they are not your problem anymore:beer:

monkeyy

Well after nearly 2 months I finally got paid today:D what a relief to finally have some cash available. Have only spent £8 of it though on some decent christmas cards to say thank you to the friends and family who have helped me out over the last 3 months.
Its true that when you are down you really do find out who your friends are,so a big thanks to them and everyone who has helped on this board:j

bloomin_freezing

Hi all,

I'll soon be skipping off to the bankruptcy court (1 week today!!!), I'm sure it's not a huge deal but what do you guys suggest I wear? Usual stuff or do I go smart? I suppose at the end of the day no one there will care?

rog2

bloomin_freezing wrote:

I suppose at the end of the day no one there will care?

That's about it bf - it really does NOT matter what you wear, although I think that if you were dressed 'straight out of the VERSACE showroom' or, at the other extreme 'like an old tramp' this may send out the wrong kind of 'vibes' to people whose sympathy towards you, could easily be swayed.