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.
This is basically what happened to us:
Wife made bankrupt in 1992 owing £3200 to the inland revenue - mainly due to my redundancy this meant I could not support her business during the growth period.
2004 - Received letter from outside insolvency practioner demanding £13000, he stated he had a list of the monies owing to various creditors, after many letters, phone calls and visits to their offices (a round trip of 100 miles) he finally admitted that he did not have a list as the original paperwork had been lost over the years. Me being headstrong decided to fight back, so did he by advertising in our local paper for creditors to come forward etc.
2005 - Because we wouldn't budge from our original figure of £3200 he employed a tame solicitor to force the issue through the courts and make us sell our house. The final upshot was that I paid a little under £25000
(made up of original sum + interest + his extorniate fees of over £6000 + solicitors fees + court costs) to get out from underneath it all. We never met the actual insolvency practitioner only his secratary.
The lesson being you cannot fight the system and live to tell the tale. We hear a lot at the moment of people taking voluntary bankruptcy OK the law is not as severe now but it is still possible to lose everything you build up after bankruptcy.
Send the piece of cake a SAR. See hwta happens. As you have nothing to losse if you started. I hope you have kept all of your papers etc from the bankruptcy etc?
PRU - Roy The Boy
this meant I could not support her business during the growth period.
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