Consumer Action Group envelope labels
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Let your bank know that you won't give in.
Display one of our labels on your envelopes.
 Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | | DCA Legal Successes This is where threads will be moved after a successful legal victory regarding a DCA issue. | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
11th July 2007, 16:52
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#42 (permalink)
| | Platinum Account Customer |  Re: Bankruptcy Order !!!
Quote:
Originally Posted by 42man  Just wanted to say thanks again to all of you, I have just made a small Paypal contribution to this site, as it is (at this stage) the least I can do.....your support is overwhelming.... | You shouldn't make any donations until you can afford to do so... and at the moment, you are bankrupt:o wait until next month, when you are solvent again  | 
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11th July 2007, 16:59
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#43 (permalink)
| | Platinum Account Customer
I am in: Tyneside
Posts: 3,522
| Re: Bankruptcy Order !!!
42man, you don't need to answer this, but what is your financial situation generally?
Don't know if you have read this but it might be useful Bankruptcy - Can my bankruptcy be cancelled? | |
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11th July 2007, 17:40
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#52 (permalink)
| | Platinum Account Customer | Re: Bankruptcy Order !!!
Quote:
Originally Posted by 42man She is a full time mum (but is looking to go back to work in September when our littlest starts school) so it's probably out of the question at the moment... | It normally takes a substantial amount of time for the OR to look at this... there are no guarantees, but it's likely to take more than 6 months before he/she even really looks at it...
Have you called the OR yet, and made sure that he/she has sent you a copy of the bankruptcy handbook?
Also, have you contacted him/her and talked about bank accounts yet? Your bank accounts are about to be suspended*... I would suggest going to the other forum, and asking about the practical things you should be doing immediatly. One of those is to start the process of opening a basic bank account today if possible.
* now that you know about the bankruptcy, it is not legal to withdraw substantial amounts of money from them.
__________________ i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you. I am not a qualified or practicing lawyer.
Last edited by tomterm8; 11th July 2007 at 17:47.
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11th July 2007, 17:41
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#53 (permalink)
| | Platinum Account Customer
I am in: Tyneside
Posts: 3,522
| Re: Bankruptcy Order !!!
42man, I have considered bankruptcy for the past 18 months but so far have kept it at bay. How much equity is there in your house? How much are your total debts? Tom is right that they won't evict you - in some cases it is 12 months in others it is when youngest child is 16 but who wants to be paying a mortgage all that time just for the OR to take your house off you in the future? You should be able to find out how much this judgment is for if you contact the county court - my thought being that if it is not for a massive amount you might be able to resolve it with the creditor, assuming that you are too late to launch a counterclaim for unlawful charges. Chances are that if it has been dormant for years there will be lots of them. | |
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11th July 2007, 17:42
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#54 (permalink)
| | Site Team
I am in: The debt forums!
Posts: 5,042
| Re: Bankruptcy Order !!!
Quote:
Originally Posted by 42man If this all falls through, does anybody have any first hand experience of dealing with these sell your home and rent back companies ?? | i personally haven't but alot of my clients have and the general consensus is that it is a bad idea. | |
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