bankruptcy and insolvency and ccj

Spartukus

Hello everyone I have a few uploaded images for you to view and I was hoping I could get some help with them.

A few years ago I took out 2 credit cards and had a normal account with an overdraft. I left my job and things were abit hard so I had to make a choice on which card I was going to pay off. I payed my overdraft off but they took the account from me and it also says partial settlement because when I payed it off I didnt notice that I still had an incoming charge for being overdrawn. But the woman on the phone said the account was cancelled I then found out 3 months later that I had 3 months of charges on this account which was still open. I phoned up and they sorted it but it comes up on my credit rating as PS - Partial Settlement. But it was a full settlement they just made a mistake.

Then I payed my "current account" credit card off as I wanted to stay good with my own bank so upon paying off the overdraft I then continued to pay off the credit card with this bank. Which is the one with the default of 6 months but it was fully payed in the end.

The one I didnt pay was the barclays cc. I was hounded back then for a while by some creditor who it had been sold onto. I then notice that I have a court judgement which I had no clue was put against me by the court for £811 and now in 2011 after checking my report I have an insolvency record from 2009 again at my old address which I had no clue about.

The reason I am on a crusade atm is because some how after I applied for a current account again with my old bank (which was accepted for some strange reason) a few weeks later out of the blue HFO Services tracked me down and sent me a notice of assignment for £3310 for my old barclays card. I sent a notice by recorded delivery for a CCA with £1 included.

How can I proceed I dont even know where to begin, the first thing I want to do is get the creditors off my back and then dispute these court proceedings. I have emailed the courts with the case number asking for details.

Below is my credit report.

img607 imageshack us img607/5329/overall jpg
img191 imageshack us/img191/2425/insolvency jpg
img11 imageshack us/img11/1133/courtjudgement jpg
img220 imageshack us/img220/439/Barclaycard jpg

You have to put a dot where I have made a space.

(unfortunately as a new user I cant post the images of my creditreport direct (hate spammers for ruining it for the rest of us))

I finish my honours next year and when I got my new current account with my bank I thought finaly everything was getting back to order only to be surprised I got a letter from HFO. Please can anyone help sort this mess out.

Thanks in advance all

IF

Hi Spartukus and Welcome, First thing make a list of all your creditors, debts and assets. Secondly and most important is contact one of the following debt charities. Please try these they don't charge and are impartial. They will go through all your options with you and if they suggest bankruptcy then come back to this board and we will help you all we can. Also if your not ‘clicking’ with one of the Debt charities do try another.

Please don’t do anything rash take your time and weigh up your options and read everything you can x

For ‘essential’ BR info this is Fermi’s sticky - Click here

Main recommended sources of help:

• National Debtline - Website: National Debtline Telephone: 0808 808 4000
• Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest)
• Consumer Credit Counselling Service - Website: CCCS Telephone: 0800 138 1111
  

Others:

• Business Debtline - Website: Business Debtline Telephone: 0800 197 6026
• Christians Against Poverty
• PayPlan
• TaxAid - Help with tax debts.

And do remember we’ve all been through this and anything you don’t understand don’t be afraid to ask.

Best wishes
If...x

Spartukus

Thanks,

I was wondering how its possible I have a CCJ and sequestration against me without my knowledge? The CCJ is a English Court and the Seq is a Scottish court both of which must have came from the barclays credit card?

Thanks

fermi

Well, the first thing is to confirm with the courts that the CCJ and bankruptcy are actually against you and get details. Finding out when papers were served and to what address etc

Seems you are doing that.

Is the bankruptcy still listed here?

http://roi.aib.gov.uk/roi/

Should also be a record here:

http://www.edinburgh-gazette.co.uk/

fermi

Please don't post case details that specifically identify you. Case no. etc.

Thanks.

Spartukus

(my name)
(Accountant in Bankruptcy Reference BLANK)
The estate of (ME AND MY OLD ADDRESS) was sequestrated by the sheriff at (a court near me) on 1 December 2009 and some company or person, Accountant in Bankruptcy, has been appointed to act as trustee on the sequestrated estate. Any creditor of the debtor named above is invited to submit his statement of claim in the prescribed form, with any supporting accounts or vouchers, to KPMG acting on behalf of the Accountant in Bankruptcy in this sequestration. For the purpose of formulating claims, creditors should note that the date of sequestration is 21 October 2009.

fermi

Petioner = West Lothian Council

Is that correct?

If so, then they were the people who made you bankrupt.

Unpaid Council Tax?

Spartukus

I cant find anything on the CCJ and still waiting for a reply from the court.

Spartukus

My old council before I moved back to my folks, they didnt have any record of me staying there tho? It was my gf's flat?

fermi

Spartukus wrote: »

I cant find anything on the CCJ and still waiting for a reply from the court.

CCJ details are available from the Registry Trust website.

You have to pay though, and may be simpler to see what the court replies with.

fermi

Spartukus wrote: »

My old council before I moved back to my folks, they didnt have any record of me staying there tho? It was my gf's flat?

If you lived there, then technically would be jointly liable for any unpaid council tax for that period. Maybe they did find out somehow?

Does seem odd though......