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    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
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I live in UK. Part own a house in France. Need info on going bankrupt in France


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Hello. I own half a house in France which my ex husband (who owns the other half) refuses to sell or pay me my share. Meanwhile he lives there. We are both Scottish.

 

I live in Scotland and have run up debts of around £14,500 over the last 7 years as my ex has avoided paying any child support for our 4 kids. I don't want to go bankrupt in Scotland as it will badly affect my credit rating.

 

Does anyone know how I can go bankrupt in France? I am hoping the French Official Receiver will force my ex to either give me my 50% of the house (so I can pay off my creditors), or force him to sell it and I will get 50% of the proceeds, less what the Receiver takes.

 

 

Grateful for any information on this. Many thanks.

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Hello. I own half a house in France which my ex husband (who owns the other half) refuses to sell or pay me my share. Meanwhile he lives there. We are both Scottish.

 

I live in Scotland and have run up debts of around £14,500 over the last 7 years as my ex has avoided paying any child support for our 4 kids. I don't want to go bankrupt in Scotland as it will badly affect my credit rating.

 

Does anyone know how I can go bankrupt in France? I am hoping the French Official Receiver will force my ex to either give me my 50% of the house (so I can pay off my creditors), or force him to sell it and I will get 50% of the proceeds, less what the Receiver takes.

 

 

Grateful for any information on this. Many thanks.

 

I don't think you can go bankrupt in France without it affecting you in Scotland. Within the EU, i think if you go bankrupt in one EU country, you have to go through your full finances in every country. Because you are resident in Scotland and appear to have not been a resident of France for more than 3 years, i think the only place you can declare bankruptcy is Scotland.

 

You need to seek advice from a Solicitor who knows law applying in Scotland and France. There might be other ways to get at the equity of the house in France, other than bankrupty. Perhaps going after the child support and getting a court order in Scotland, which you then transfer to a French court. If he then does not pay, there might be ways of forcing the sale of the house, but i have my doubts. The other possibility is the divorce financial settlement, to see what can be done.

 

Any option is going to take along time. It could take years, before any order was made for him to sell the house.

 

You best option might be to ask for advice about your Scotish debts to see what can be done about these. I think you need to do that first, with the house in France being a remote possibility, because it is unlikely a court would force a sale. If you what advice about debt in Scotland please ask and the site team will direct you. Or in Scotland there is a network of advice centres, where you can seek advice and they might know of Solicitors who can answer questions on EU wide laws that might help you.

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  • 2 weeks later...

Hello, Gigi

 

 

I suppose it comes down to where you were married, if married in Scotland, it's Scottish law, or married in France, French law. I don't know French law or Scottish law, but I do know that English law permits you certain property rights. In England/ Wales, for instance, you can force a sale if the property was jointly owned or force a sale in your own right if the family home were intended for the family. If it's France law, they should have a post divorce law that permits the French courts control the assets. There will be way to do something about this. Hope you find the solution you need.

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why havent you used divorce proceedings and the family court to force hubby to pay up or get out? Generally when there are children the courts dont close off any financial ties until they reach the age of majority so I would have a chat with a divorce lawyer about what you can do via your case. You may be able to enforce a lump sum settlemt of overdue maintenance payments as well.

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