Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default A fool and her money....

    I will keep this brief but I am in a bit of a hole.

    I had a great credit record until 2years ago

    I got friendly with a Polish guy who came to do some handyman things in my house.

    He seemed really nice and visited me a lot which was good for me getting a little bit of company.

    He had an idea he would like to start out in business for himself but he could not get a start-up loan

    I got him a loan for 20k in my name he wasw making the payments and everything was going well in his bakery

    I stupidly gave him my Halifaxicon card so he could have some money for day to day I even gave him my pin and online access

    Cut to today He has disappeared back to Poland leaving me with an overdrafticon of 9k bank loans of 16k creditcard bills of 9k

    My son went to the police and they could not do anything as I had volutarily gave him my pin number

    My only choice is to go Bankrupt though LILA in Scotland

    My questions are do you get a face to face interview with the AiB when you go bankrupt?

    Most of the withdrawals of cash have been in the last 4 months How will this be viewed?

    Can I end up in Gaol?

    Do I lose the right to vote in the elections?

    I know I have been really stupid but there is no fool like an old fool

    Any replies would be appreciated

    What an idiot


  2. #2
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    Default Re: A fool and her money....

    It depends on who the allocated IP is, if they visit you. Mine did and was the best thing that could have happened but many say that they just deal via post and email with their IP.

    The will not question any recent 'transactions' only anything that could be a bit dodgy from when you applied for BK

    you do not go to jail for debt

    you will still be able to vote

    and I bet you won't do it again


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  3. #3
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    Default Re: A fool and her money....

    thanks for that IIF I really hope they do visit me I can show them all the evidence of how I was duped by a complete stranger letters promises ect

    He even transfered £4000 to a bank in Poland from my account duh!!!

    as I said the police cannot do anything

    I am a wee bit cheesed off by the HBOSicon as I went from having a £3500 credit balance to owing the £9300 in the space of 4weeks!!! all cash withdrawals or transfers

    I have changed my bank account to a basic cashcard with Barclaysicon so at least I will have some money to live on

    I know I have been conned but I suppose I have learned a harsh lesson

    obliged


  4. #4
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    Default Re: A fool and her money....

    If you left me alone in your house whilst you poped out for some milk and you came back to an empty house I have no doubt that I would be arrested and charged with theft but not breaking and entering. I failed to see why the police won't regard what happend to you as theft untill I considered that it might inconveniance the banks and make recovery of the money a police problem rather than your problem


  5. #5
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    Default Re: A fool and her money....

    Quote Originally Posted by chris2472 View Post
    If you left me alone in your house whilst you poped out for some milk and you came back to an empty house I have no doubt that I would be arrested and charged with theft but not breaking and entering. I failed to see why the police won't regard what happend to you as theft untill I considered that it might inconveniance the banks and make recovery of the money a police problem rather than your problem
    This is so true Chris but the police have said it is a civil matter and they cannot help Its like I have loaned him the money to give HBOSicon a wee bit credit they tried to recall the monies from the Krakow bank but the account had been closed I suppose I could try a lawyer but prolly just throwing good money after bad

    luck to you
    WAI


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    Default Re: A fool and her money....

    Sorry to hear of your situation, I am considering bankruptcy also, for a whole host of different reasons though. You did nothing wrong apart from trust a guy who you thought was on the level. I don't think you will see a penny of your money back given the fact this chap resides in Poland. You are not and idiot, although I bet you feel like one. We all make mistakes.


  7. #7
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    Default Re: A fool and her money....

    Quote Originally Posted by addzone View Post
    Sorry to hear of your situation, I am considering bankruptcy also, for a whole host of different reasons though. You did nothing wrong apart from trust a guy who you thought was on the level. I don't think you will see a penny of your money back given the fact this chap resides in Poland. You are not and idiot, although I bet you feel like one. We all make mistakes.

    Thanks for that I wish you all the best and hope you can find a way out of your troubles

    WAI



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