B10 Bankrupcty Notice forced on me

StellaArtois

I received a B10 Notice of Registration of a Bankruptcy Notice this weekend from the land registry (reads that my house is affected by a petition in bankcruptcy). I can't find anything to suggest a court date.

I eventually found out what it referred to - a 7000 debt for a credit card from Halifax which became RBS who then sold it to 1st credit in July 2011. The 1st credit statutory demand under section 268(1) of insolvency act had got stuffed behind something in the hallway so had actually missed that (dated Oct 2011). Life has been a bit chaotic recently as my mother committed suicide 6 months ago + I have ME (diagnosed 4 years ago) so my house means so much to me (am upto date at last with mortgage payments).

Does this mean I am actually now bankrupt because of a 7000 debt or have to sell my house because of it or is this a charging order.

Will ring court tomorrow.

IF

Hi StellaArtois and welcome to the BR board. Its sounds like you have been made BR but do check your name on the IS register first.

Search Insolvency Register - Click here

Don't forget to click on your surname to bring up full details.

Also do contact CAB as you are poorly you will see someone face to face to help you further.

Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest)


Best wishes
If...x

debtinfo

the only way to know is to phone the court, but it certainly means that they are going very firmly in the direction of bankruptcy if it has not been granted already, so some action is going to be required

StellaArtois

Update re this - bankruptcy hearing was due end of February but I managed to get an adjournment, which helped as have managed to pay 1stCredit's solicitors £5500 in the meantime - they had also told me that they would look very favourably if I could pay a substantial amount.

At the new adjourned court date on 10 April the judge dismissed the bankruptcy petition (on letter from court it reads in light of solictors letter and evidence the petition is withdrawn/dimissed) which I thought yay but 1stCredit solicitors have told me today on the phone that they are going to reapply/resubmit the bankruptcy petition. I spoke to the court and they said as far as they're concerned its dismissed but yes they can reapply or contest the judges decision.

Am desparate to keep going, as if am made bankrupt then I become homeless and lose everything. Solicitors had also written and told me the other week that I owed them in total £6661 to get rid of petition so I told them today that as I'd already paid out 5500 then I only owe you £1161 (am still waiting for this amount to be paid to me). Their reply was no they made a mistake and I now owe them about £3000.

Natl debt Helpline told me last week they can't help me - even with advice

All I've been told (by court) is to write to judge and send statement of how much I've paid solicitors and what they have told me.

debtinfo

i would imagine that if you are continuing to pay and can clear the debt fairly quickly, then the given the stance the judge has already takenm even though they can reapply it is not likely to be granted

StellaArtois

Thanks - am hoping this is the case but am annoyed the solicitors keep adding stuff on to the amounts they want me to pay

Solicitors were whinging to me as they'd applied for another adjournment but its hardly my fault if judge took this stance or they can't write letters that make sense.