Vultures circling

skylight

I couldn't believe how fast I got one - I wasn't declared BR until about 2.30pm on the Tuesday and got one the following day! Considering the court was so slow, someone somewhere must have been quick in putting it on the insolvency website.

fiveyearplan

It took 2 working days for my details to go on the IIR which is probably why I got the letter a bit later than expected.

dodecanese

Thanks everyone for the kind replies- I dont actually think, on reflection, the guy next door did hear, he would have made a snotty comment by now if he had. Everyone in my street is quite old, and theyve all lived here for years and years. They all live in each others pockets and are really nosy- nothing gets past them. So my going bankrupt would be great gossip fodder for them.
I feel a lot more positive today and have decided if people find out, they find out. At the end of the day I dont owe the neighbours money so its really non of their business.
Fiveyearplan- I like the "I always wondered what kind of people read that bit of the paper" , Ill use that if anyone mentions it.

sammahootexpress

hey u probably dont relise that half your heighbours are in dire staights at the mo or have gone bankrupt we all have done something about it, everyone think positive does it matter that people know , i still got people making me dinners saves on the shopping bill.

LilyBart

Alternatively, you could give them something else to gossip about. Start crossdressing, perhaps? Take up topiary and trim your front hedge into unusual shapes? Paint the front door camouflage-style? Join a morris-dancing collective and rehearse at home? Offer to tell their fortunes with tea-leaves, look very alarmed at the contents of the cup and then say "Ooh, no. Nothing to worry about...."

dodecanese

Thats a very good suggestion LilyBart,
this is how bad they are- a couple of months ago I did some overtime one Saturday, and,on coming home,the woman across the road asked if Id been shopping. when I said no, overtime, the guy next door actually scuttled into his house and I could hear him saying to his wife "next doors been doing overtime!!" I mean how absolutely FASCINATING!
Right, Im off to go take all my clothes off and go and cut the grass- if any of the neighbours comment I can say "incidently, do you know I am also bankrupt?":D

LilyBart

Excellent! Impact will be greater if you use bodypaint though!

rog2

Hi dodecanese - it is true that a bankruptcy can be 'annulled', in certain cases, by the means of an IVA. This could, even, be a good option for certain people, especially those whose bankruptcy was 'creditor petitioned' and where bankruptcy could jeopardise their career prospects.
However an IVA is, after all, only an alternative form of insolvency. Most people, and especially most of the posters on this board, would already have looked at an IVA before going for bankruptcy. If they were advised, prior to bankruptcy, that an IVA would be unsuitable for them, it is difficult to imagine why it would, suddenly, be a suitable alternative after having made the very difficult decision to opt for bankruptcy as a solution to their debt problems.
However - the 'IVA Industry' is a very tenacious beast - it still looks upon you as a potential earner - and will try to capitalise on your potential till the last.
I can understand that some bankrupts would, due to personal circumstances, consider annulment, but, having gone through bankruptcy, they would by now be sufficiently weary of the 'IVA Factories' to seek professional advice and go to a professional Insolvency Practitioner who has been reccomended by one of the debt charities.
These IVA 'factories' trawl the Insolvency register, and the courts, looking for 'targets' - In my case, I was innundated in the first three months of bankruptcy by these offers, often cunningly disguised to look like genuine offers from firms of solicitors. It 'tailed off' after three months, but, rather surpringly, started again when I got my early discharge after six months.
I have, steadfastedly, binned all of these letters, yet still receive the odd one even now - 18 months after my bankruptcy.
I must admit that I have never received a 'doorstep visit' from any of these chancers, but recently we have started receiving phone calls, offering this 'service'. Just yesterday, my wife picked up the phone to get a 'recorded message' inviting her to phone a 'shared revenue' number where 'help could be given for all aspects of debt, including the annulment of bankruptcy'. Unfortunately she did not write down the number, otherwise I would have reported the offending company to the Trading Standards office.
I must admit that any 'doorstep visit' to my house would be met with very short shrift.

Edit: I have just finished mowing my lawns - unfortunately hadn't seen your post, or may have been tempted to do it naked as well - not a pretty sight.

dalip

Yes dod know the feeling. We had use of company car and so on leaving that employment(long story) we had to buy another. We were (OH and myself) unemployed for 3 days in which we had one neighbour ask"no work today?" and another come over for something really trivial!!!:p .They must have been chomping at the bit. I live in very very quiet cul-de-sac of about 6 houses and the one house(where 3 people live)each have a window to watch from. Neighbourhood watch,maybe just plain nosey me thinks! Best of it is they not without a few secrets or things to be ashamed of. They would do well to remember that!!!.

dodecanese

Thats interesting Rog2,I did wonder how they could profit from it- bad debt just seems to be such a massive industry.
I should really have given the guy short shrift, but he caught me off guard and I was a bit stunned really that they would actually send someone out touting for business. I thought he was a doorstep collector.
Dalip my house is in a cul-de-sac too- my neighbours seem to know every move I make :rolleyes: . They comment if I get home late,early etc- they never seem to sleep either, theyre on constant vigil. Its good from a burglary point of view- they watch anyone who appears on the street who dosnt live there.