I need some advice regarding my husbands bankruptcy

Mike_St_Helens

fermi wrote: »

Hmmm... Her little green light has gone black

I hope she comes back, because I don't think this should be the end of this...

Aww... Ive a feeling that the loan may be joint or she is named on it somehow. Hope not....

fermi

Mike_St_Helens wrote: »

Aww... Ive a feeling that the loan may be joint or she is named on it somehow. Hope not....

It didn't sound like it

Among the debts that were included were a personal loan from HSBC bank that was solely in his name, but had a standing order set up to pay it monthly.

We could do with an Insolvency Practitioner or an 'undercover OR' to post on here. Us 'amateurs' can only advise so far....

Mike_St_Helens

fermi wrote: »

It didn't sound like it



We could do with an Insolvency Practitioner or an 'undercover OR' to post on here. Us 'amateurs' can only advise so far....

But if it is in his name ( The Loan), why woud the OR say that HSBC are entitled to chase her just because she paid the payment ? She hasnt signed anything and certainly shouldnt be liable. I think the OR may have their wires crossed with this.

There is NO way she should be chased for a loan in her husbands name and she isnt bankrupt, no way. She should call her bank and insist that this standing order is cancelled immidiatley if it is on her own current account at the moment.

Mike_St_Helens

Im sorry to use the word 'She' its as in past tense as the little green go light has gone !

fermi

Mike_St_Helens wrote: »

I think the OR may have their wires crossed with this.

That is exactly why I think they must write to the OR, so it is all crystal clear and is likely to be dealt with by someone more senior/knowledgeable at the OR's office.

Mike_St_Helens

fermi wrote: »

That is exactly why I think they must write to the OR, so it is all crystal clear and is likely to be dealt with by someone more senior/knowledgeable at the OR's office.

Most OR's will put their own personal email add on any letters they send you. Mine hhas always responded very quickly with anything Ive asked via email, and anything she hasnt known she has found out.

That way you can mither and mither away and it doesnt cost anything, plus you then have it in 'writing'.

Mike_St_Helens

fermi wrote: »

That is exactly why I think they must write to the OR, so it is all crystal clear and is likely to be dealt with by someone more senior/knowledgeable at the OR's office.

But, on the other hand, this person has asked for opinion, and thats all they are. If we told everyone to 'go to your OR' we wouldnt have a forum.

fermi

Mike_St_Helens wrote: »

Most OR's will put their own personal email add on any letters they send you. Mine hhas always responded very quickly with anything Ive asked via email, and anything she hasnt known she has found out.

That way you can mither and mither away and it doesnt cost anything, plus you then have it in 'writing'.

Good point. If this can be sorted out in Zaphod's favour ASAP, without relying on 'snail mail' then that would be superb. It would give peace of mind one way or the other quicker.

I hope she comes back...

fermi

Mike_St_Helens wrote: »

But, on the other hand, this person has asked for opinion, and thats all they are. If we told everyone to 'go to your OR' we wouldnt have a forum.

True. But on some of the finer legal points an incorrect opinion can do a lot of harm.

Anyway, that's enough talking to ourselves....

Mike_St_Helens

blind-as-a-bat wrote: »

just a thought its funny the loan was payed by standing order surly it would have been a direct debit wich the bank CANNOT REFUSE to cancel not sure if standing orders have simaler rules but i think they do if you see where im going here:rolleyes:

If its a bank loan and its the same bank account, they generally do use SO, it saves them the cost of a direct debit !! they can transfer the mone internally for fre.. Another money making machine !!

You can also cancel a SO at any time, escpecially if the loan is not yours - as hopefully in this case !