Anyone any experience of LILA in Scotland?

roougers

Hi Chaps,

First post so bear with me.

I'm just about to go down the LILA route of bankruptcy in Scotland. To cut a long story short I am a long term credit tradgedy and owe just slightly over 25k, lost my job a few years back in the credit crisis and now work as a Support Worker - Amazing life change, but not brilliant money and I just cannot deal with the calls, letters and the other rubbish (including my mum trying to set the dog on a doorstep collector!).

I dont have any assets, or car, but do have a clear bank account with a Visa Debit card I dont want to loose.

Basically, I just want to hear the pro's and con's before I pay my money and join the growing statistics....

Thanks

:beer::beer::beer:

IF

Hi roougers and Welcome, Until Scottish posters can advise further, DoshDolt's threads maybe helpful.

Threads by DoshDolt, click on blue link below:-

http://forums.moneysavingexpert.com/search.php?searchid=100441848


Reminder from coolcait :-

Most of doshdolt's great information on going bankrupt in Scotland is still absolutely valid.

But a few changes were made on 15 November 2010 so, please check the Accountant in Bankruptcy website carefully, to make sure you've got all the up-to-date info - and the correct form!

Best wishes
If...x

Edit: link not working!!

roougers

Thanks for the reply, I cant open that link, but I will search the info on here.

:beer:

IF

roougers wrote: »

Thanks for the reply, I cant open that link, but I will search the info on here.

:beer:

I am sorry it keeps doing this :doh:

This should be DoshDolt's threads

http://forums.moneysavingexpert.com/search.php?searchid=100441848

broxiebear1

have a look here

Home | Accountant in Bankruptcy

Accountant in Bankruptcy (AiB) is responsible for administering the process of Personal Bankruptcy and recording Corporate Insolvencies in Scotland. ...
www.aib.gov.uk/ you shoukd find everything you need to know ,any questions please ask and above all welcome to the board
broxie

roougers

Thanks guys.

After reading all the info I only have one more question...

1. Do they send someone round to your house to 'interview' you like I have heard down south?

broxiebear1

roougers wrote: »

Thanks guys.

After reading all the info I only have one more question...

1. Do they send someone round to your house to 'interview' you like I have heard down south?

its completley dif, in scotland from , england my interview was about 30 min going through my soa aib might deal with you or they might appoint someonelse my trustee is from glasgow, also i was allowed to keep sky at£40 mobile contracts etc again depends who deals with you not everything is set in stone
above all do not worry
broxie
feel free to pm me or post here forgot to say PHONE INTERVIEW

hattybee

Although it will probably be a phone interview (cost saving!), you can ask for a personal interview at your house
Some folk prefer a face to face interview – particularly if you want someone with you for moral support. And to remind you of all the things you’ve forgotten in the heat of the moment. And to check you’ve not said anything silly.

roougers

I'm not fussed about it, just have to get my mum round to the idea of things.

She tried to set the dogs on a door step collector, so you see what I have to deal with !! LOL

roougers

Actually now that I mention it, that was something else I was going to ask, how common are these door collectors in Scotland?

I moved up here to get away from them!!

stubruscooby

im in the process of doing it myself m8 the forms are just crazy for me anyway hopefully i will have them finished soon

how did you find them>

welcome btw its a great place to hang out