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out of cash

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  1. have tried shelter,council cab etc seems the system dosent help single people n matter how much they have paid in tax the last 35 yrs:violin:
  2. hi ellen theres no chain, but i know all the legal paper work has been done so i expect to hear really soon on this as the buyers have stated to estate agents they are ready to move in thety are privately renting and paying a high rent as i understand it. i know i am in a no win situation, its going to be an emotinal nightmare having to leave here after many years,ive tred to do my best by everyone but its just not turned out good at all my s2bx will be totaly peed off if this falls through i think then it will revert back to insolvency service,not to sure what would happen then probably be a forced sale as its been 2yrs and 4mths since my br date. many thanks to all out of cash
  3. hi all, not been around for a while and are now on my last hurdle of my bankruptcy nightmare which is! went br in 2008 been in house since then house went on the market and sold within 2days ,i agreed to a voluntary sale as not to cost my s2bx loads of cash however when it comes to completion dates, can someone please tell me if i have any rights to remain ? say no to date as i am finding it a total nightmare to rent somewhere due to br on credit file and the added bonus of being unemployed,council cant help,letting agents want thousands in deposit,and very few private lanlords about. any advice help most appreciated out of cash.
  4. i went br and included the mortgage in the bankruptcy after dischrge lenders try to play the game of sending out a form for myour sig to say you are liable for any shorfall costs on mortgage. IF YOU GET ONE OF THESE FORMS DO NOT SIGN IT AS YOU CAN BE MADE LIABLE AFTER DISCHARGE IF YOU SIGN THAT FORM.
  5. you go br first so the mortgage is taken into the bankruptcy order .so wouild all the legal fees charges interest court costs. make sure you dont sign anything after the br date as the lender can make you liable again for any shorfall. i went br 19mths ago and know i am not liable for any shortfall however i would be if i signed something now after discharge. Advice given to me by insolvency service please double check as peoples situations can vary on different technicalities. regards out of cash
  6. it mentions about bringing the agrement to an end so therfor you should request notice of cancellation rights this comes under the cca i cant remember what section as its been a while since ive had to deal with this someone will confirm which section you need to quote,if anything is ref to another document in the agreement they need to produce it,cancellation rights stuffed one of my creds big time at a trial,it was that which saved my neck at the time. your right to cancel that particular doc needs to be set out in a certain format similar to a cca format. hope this helps sorry i cant remember the law on the notice of cancellation copy documents.
  7. hi all, anyone had a forced sale put on them by insolvency service? and if so how long did this process take from start to finish went br 19mths ago and want them to get on with it as its become a hge wind up. its like getting reposessed without having any mortgage arrears just a pile of unsecured debt. would be greatful for any advice on this. regards ooc.
  8. if there wasnt a bro in place at the time cant see how they could touch that money even with an assett such as a house game over for them after 3yrs if its not been dealt with,But 10 yrs seems incredible i would phone insolvency service to get them to clarify this.
  9. i was told it 6yrs on credit file from the day of the bankruptcy date,
  10. hi rapterman, i had a very hard time getting creditors to accept what i could afford hence why i went bankrupt.One good example is a very well known visa card company,the small print in their terms and conditions said contact us as soon as you experience any financial difficulties of which i did,their idea of helping was to shaft my apr rate from 4.9% upto 36.8% this should be a lesson for them if they keep piling on the pressure for people they are going to end up with zero as they are now findinding out. why do you need a lawyer for the affidavit "i didnt" also had multiple creditors and assetts involved.
  11. Hi there, what exactly are your worrys,if its a transfer of an assett before going br the OR can have this reversed going back 5 yrs,they usually investigate the bankrupts statements between 2 to 5yrs if they see any what they deem to be unreasonable behaviour they can go back longer,if gambling has been involved,casinos,internet,horses,stocks and shares,they can apply a bankruptcy restictions order which will tie you into the terms of the br for anywhere betweeen 1-15yrs hope some of this helps.
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