The Bankruptcy Club & Supporters Club

Mike_St_Helens

marwartooth wrote:

Hi Rog
yes sorry i mean't a DMP , thanks for the advice , if the cars have to go then so be it , the peace of mind will be worth it .

I aslo have a joint bank account with my wife although I do not input monies into it or use it at all , will that also be frozen?

Please can I join the BCSC and get a number ?
Regards
mwt

Hiya...

Your BCSC Number is 28 ! Welcome !:p

goonergirl

Not sure if anyone wants to know this (or if Ive put it in the right place, please move if not!) but thought Id post it anyway!
another prepaid maestro card is this one: http://www.360money.com/quidity
there is an offer in the Sunday mirror if you cut out the voucher the mirror pay the joining fee (£7.95) when you load £20 might be worth a look for someone???

a
x

Red_sky_2

sandralovescats wrote:

I have had 27 calls this morning - between 8.30am and 11.30am.
If this continues after I have done the deed then I am going to use some very choice language with them!

wow!!! that is awful!!! that beats my record! i can't believe these companies do this, its defintely an intentional policy of harassment!
i found that the best way to deal with it is to screen all my calls with an answer phone. my family/friends ae used to it now, and if its a call from work etc, they will always leave a message.

Lilaclily_2

I just wondered if any one could help, my partner (we don't live together, we have separate homes etc) has his bankruptcy appointment this week. He has a visa card which is on my account and each month cleared by me. He has this for emergencies etc etc, not for living it up. So how will this be viewed does anyone know ?

sandralovescats

Lilaclily wrote:

I just wondered if any one could help, my partner (we don't live together, we have separate homes etc) has his bankruptcy appointment this week. He has a visa card which is on my account and each month cleared by me. He has this for emergencies etc etc, not for living it up. So how will this be viewed does anyone know ?

First of all you cannot have a joint credit card. It is your card with your partner as a registered user.

However, since the terms of the bankruptcy state that you must not obtain any form of credit whilst undischarged, I don't think that the OR would view this very kindly at all.

It may be better to cancel your partner from your account, until he gets his automatic/full discharge.

sandralovescats

Red_sky wrote:

wow!!! that is awful!!! that beats my record! i can't believe these companies do this, its defintely an intentional policy of harassment!
i found that the best way to deal with it is to screen all my calls with an answer phone. my family/friends ae used to it now, and if its a call from work etc, they will always leave a message.

The worst culprit today has been Capital One. I have made a note of the times that they have called today and I will send a letter in the morning, about all of them, to the OFT. Along with a complaint about all the other companies too.

It is illegal for them to harrass folks like this. Also, in that letter I sent I requested contact by letter only, and that if the phone calls persisted, the matter would be reported to the OFT. So now I am doing it!

I do have callminder, but it is the incessant phone ringing that is maddening.

This is the letter that I sent out three weeks ago -





Dear Sir,

Ref.


Originally I informed you that I had taken debt management advice. I am now able to tell you that my debt management will be sorted by 20th November and you will hear from my debt management company in due course.
Thank you for your patience.


Furthermore, I am writing to you regarding the above account and the daily calls i am receiving several times a day from yourselves.
This behaviour constitutes harassment; this letter states quite clearly to you that I require ALL communications in writing for future Court use. Do not telephone me again - remove any telephone numbers you hold for me from your systems.

Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information note that ALL telephone calls are taped.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint, containing copies of all correspondence including yours, has now been submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

Communicate in writing and ONLY in writing, your telephone calls will NOT be answered.
HOWEVER, CALLS WILL TRIGGER COMPLAINTS TO THE REGULATORY BODIES.

I trust that I have made myself understood on this matter.




Yours faithfully,

Red_sky_2

Very impressive! i will have to try sending that too, thanks x:T
p.s. i have my answer phone on speaker phone, and prefer this to call minder as it means i can hear who it is, also it kicks in after just two rings. only thing to watch out for is to make sure you take it off speaker phone when you have people round!!!...not very nice to have some condescending debt collector leaving a menacing message in front of all and sundry...!!:o

marwartooth

Hi

I am really concerned about the possibility of losing my old cars , one I can live with , is there any way legally that you can keep them ? is it down to the OR on the day ?

Has anyone else been faced with this problem ?

they are everyday useable classics but are not sought after cars at all only within Marina fan club circles .

sandralovescats

marwartooth wrote:

Hi

I am really concerned about the possibility of losing my old cars , one I can live with , is there any way legally that you can keep them ? is it down to the OR on the day ?

Has anyone else been faced with this problem ?

they are everyday useable classics but are not sought after cars at all only within Marina fan club circles .

Since your cars aren't worth a whole lot of money, and wouldn't raise much money at auction, I tend to think that the OR will let you keep them. Maybe you could dream up a reason why you need a car each? Just in case it is questioned.

sandralovescats

marwartooth wrote:

Hi Rog
yes sorry i mean't a DMP , thanks for the advice , if the cars have to go then so be it , the peace of mind will be worth it .

I aslo have a joint bank account with my wife although I do not input monies into it or use it at all , will that also be frozen?

Please can I join the BCSC and get a number ?
Regards
mwt

You have to declare your bank accounts and accounts that you would have an interest in , ie your wife's account. It might be best to either put that account into her name only, or to get her to open a new account and close the joint account.