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Found 15 results

  1. Hi, Im looking to get some advice and hope some of the guys on here can help. MY home is in zero equity and we owe aroung 120k with no arrears, the house is only worth around 85k with the current climate, we have other debts which we are in payment plans with several and have defaults on one cc but no ccjs. i have been offered to move into a family home to help us get on our feet. question is will our mortgage company allow us to sell the house and arrange to pay back the shortfall? is this likely or are they likely to say we cannot
  2. Someone who owed me money (£40k) unsecured declared himself bankrupt. A trustee in bankruptcy is involved. This has been going on over a year and I got my annual report from them today. The investigation is still going on but he has been discharged. How does that work? The Trustee is still waiting o/s information from him despite requesting this 3 times. They are querying transactions totalling £30k and as yet have still not received the requested bank statements showing what this was for. I am pretty sure he has been 'getting rid' of money to one of his siblin
  3. Hi, sorry if im posting in wrong section not sure where to go. I have just noticed on land registry there is a petition in bankruptcy notice 86 (2) from 2013, within 14 days i paid the debt off fully, but creditors (virgin) wouldn't acknowledge it or send a receipt, totally ignored me when i paid the £8,500 by bank transfer (receipt found) how can i get this removed as want to sell the house, any help at all please as i thought this all went away in 2013 when it left me broke, ive just back on my feet.
  4. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
  5. In brief.. I hold a charging order on a property The debtor became bankrupt last year and it seems has now been discharged. As the charging order survived the bankruptcy my question is.. Can I still go down the route of enforcing the judgment in the usual manner, for example, could I apply to court for an 'Order to Obtain Information' etc A little background info.. The property in question has a mortgage. The mortgage lender took the debtor to court and obtained a possession order in July 2015. To my knowledge the mortgage lender still hasn't acted on it yet.
  6. I have a few student loans taking back from 1997, 98, 99 and 00. I went Bankrupt in 2010 but was told my student loans would not be included in my Bankrupcy. I spoke to SLC and they backed this up. I was still receiving deferment forms from SLC and I kept deferring the payments but have now received a letter from Erudio who say they have now bought the debt. I have now read that certain student loans could be put under Bankrupcy so could be written off. Would these loans have been written off when I was declared bankrupt? Was I miss-informed? A
  7. Hi all, I have been living in the Netherlands for four years and now in the process of sepearating from my husband - i left debt in the UK around 7k (bank overdraft, pay day companies) with the intention of repaying when i started living here, unfortunatley as my husand was out of work for much of the time i lived here i was unable to pay back. Can anyone please advise on the best way to tackle the situation. Thanks in advance.
  8. Hello, I made myself Bankrupt in April this year (2014) and at the same time one of my creditors served me with a CCJ, as i am bankrupt i know i can write to the creditor and ask them to write to the court to have the CCJ marked as settled, but i am not sure how to word it, any suggestions? Thank you
  9. Hi, I am new to this site and have been going through a very nasty divorce for the last year. Things have got very bad now and my soon to be ex husband is threatening to complete an IVA. The situation is my husband left in July 13, whilst I was 17 weeks pregnant. We now have a 2 year old and a 6 month old. My husband has not paid anything towards the mortgage for our house since he left in July 13 and I have been paying this in full on my own. We have a joint loan (all of which is his debt but it is in joint names) with a balance of 23k outstanding. My husband has been paying th
  10. Hi all, need an answer to this if you dont mind. Cant find anything anywhere on the net. After having a CO on my home for the last 7 years, I now get a letter from Wright Hassall solicitors threatening to serve me first with a Statutory Demand followed by a petition to obtain a Bankrupcy Order. I would have thought that somewhere down the line I may have been fighting an Order for Sale, rather than Bankrupcy. So is there a reason in the solicitors favour for going down this route or is this standard? Then then list charges for which I will be liable - Statutor
  11. Help and info please, my husband and i are considering bankrupcy and voluntary repossesion, we are about to go into morgage arrears and have debts of over 50k and can see no other option. we have been offered to rent a family members home and want to do this, we live on our overdraft every month and even then have not enough money left to live each month so borrow from family etc , we are in payment arrangements with most creditors but are sinking fast. should we just let the arrears on morgage start until they start repossesion order or simply ask them to voluntary
  12. Hi Everyone, My Boyfriend is filing for Bankrupcy, i have been supporting him through this, however i am posting this thread for advice on myself, My Fiances are fine, I have a HP car which i have paid soley for the past 3 years, The logbook is in my name and so is the insurance. however my Fiance is a named driver on the insurance policy, i put him on the insurance last year. Can the OR take an interest in my car? i need my car for work and use it for business needs so cannot function nor earn money without it. Thankyou.
  13. Hi Need some urgent help please, a solicitor has contacted my mum in respect of a debt that has been under dispute for a number of years. Connaught have now purchased the debt and they are acting on behalf of Connaught Collections. What does she do???
  14. I was served with a statutory demand last week and so I wrote to the "creditor" to ask them to withdraw it. They have sent me a letter yesterday saying that it is withdrawn, however, is this sufficient? What are the formalities of withdrawing a statutory demand? The Insolvency Rules say nothing! Should the creditor submit the form 6.4 and 6.5?
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