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i would have to get another morgage on the property and he would not agree to this, so i could not borrow the money to pay the creditors off even at 50% reduction

He is making life so difficult here, we live in 60 degrees as he wont turn the heating up, we have no food in the house, so we dont eat and he keeps sorting his money out when i am around, he has about 40k in the bank and keeps going on about his interest on his savings etc so making me very depressed.

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I would get professional advice on your finances asap Littleduck before you make any decision on what to do with your £60k

 

If you took your £60k and bought a little 2 bed house for about that amount and then went bankrupt you may be allowed to keep your new little house by the OR due to your child at home BUT you would need proper advice from a professional on that one.....just a thought

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Hi Littleduck :)

Thanks for the support, much appreciated. Listen to what advice you are getting on here - and I would make my first port of call to phone one of the national debtlines ASAP..or CAB and make an appointment. I can't advise on property as I am in rented accomodation. But Brent is right, you MUST contact one of these debtlines FIRST.

Try CCCS or CAB there are web addresses I think at the start of my threads from other more knowledgable caggers. Sequenci is very good with advice too, PM him and he will read your thread and give you solid advice, he has helped me in all of this. Good luck and I should be telling you off for highjacking my thread...lol...;)but I won't, glad my story has helped you though. Thanks again and take care.:D

Sugar x x x

 

P.S I did a lot of my stuff at work as like you couldn't afford the time off work.

Edited by Sugarbabe47
p.s
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Littleduck - found info for you,please take a good read.

 

National Debtline –Free,Confidential Debt Advice – Call 0808 808 4000

 

And Read The Insolvency Service Website

 

Good luck :)

Sugar x x

Edited by Sugarbabe47
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Thanks sugarbabe..I have found the cccs website and will fill in the forms tonight.i think on reflection brent is quite right in what they say, and i will ask the cc companies to take a payment in settlement..as i think he is going to come up with a solution to get me out of the house, and just maybe he will part with some of his money..lol

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  • 3 weeks later...

Hi all :D

UPDATE

Well it's over a month now that I was declared B/R. I have had a few letters - nothing major. Just advised them of my Bankrupcy and left it at that. I am still paying tax, but not too worried as I understand the Official Receivers are extremely busy ( Not suprised given the economic climate at the mo!)

 

I have had a WHOLE WEEK with NO post.....now that feels strange, even weird.....lol...but I do feel better for going ahead with my B/R.

However, I do wish that I listened to CAB years ago and went B/R then instead of trying to battle on and on, giving myself ill health and stress, but hey ho, hindsight is a wonderful thing.

 

To all those going through the B/R route and stressing out, please be kind to yourself and try to stay calm - if I can do this so can YOU!

I would like to take this opportunity to wish you ALL on here a very very

peaceful and happy Christmas and I hope 2009 is a better year for ALL.

 

Love - Luck - Laughter Always:D

 

Sugar x x x x:D

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Hi,

 

Just spent a good few hours reading through this thread. I got a letter from Do Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold.

 

I jointly own the house with my wife, and the mortgage and sec loan combined is £134k, with the house value at approx £127. I am very very stressed that I am going to loose my home. I spoke to someone from the national debt line and they advised me to send a CCA letter, which I have done.

 

Can anyone offer any further advice? When the car was taken back I asked the collection agent if i needed to do anything else. He said no, thats you done, all finished, sign here please.

 

How can they surface out of the blue like this after 4 years. also i asked Go debt if can could make an arrangement, the refused.. HELP !!!!

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Hi Jokerdisco :) and welcome.

Firstly thanks reading my thread.

Also may I suggest starting your own thread hun, then you will receive the proper answers that you are looking for. My case is different from yours as I do not own property, however my ex hubs did take out finance for a newish car in 2000? I told the company to take the car back and I could not afford the payments. They hounded me for years with threats, but as I do not have property they didn't threaten me with Bankrupcy! I included this company in my own B/R, just so no other debt collection company can chase me for it years down the line. Sorry I cannot assist anymore but if you start your own thread then someone with more knowledge on the subject will pop in and help you. Keep calm and try not to worry - easy for me to say I know, but I have been to hell and back with financial pressures (to the point of suicidal!).

Take care and take care of each other.

Sugar x x :D

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