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    • Yes I have read to ignore anything unless it says Letter of claim  I was just updating stating what I’d received and was asked to upload it  they can keep writing 
    • Steady on, that’s almost as blunt as my response I’m just not sure the OP is going to get the answer / “nuanced response” it seems they were hoping for ……..
    • My mind is a blur so i cant recall exactly what the judge said at the end, but he mentioned that he would be making an order for Evri to make payment to me. I wasn't sure if the court order will also be provided to me, either by post or email - if anyone can shed some light please?
    • Agree with everyone here it's bang to rights. Looks like you just slightly jinked left in order to go right. Ultimately, your time saving attempt is going to cost you as I don't think you have any grounds to appeal. I'd just pay the charge and chalk it up to experience.
    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
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bankruptcy advice??


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Thanks so much Joe

So would the "certificate of sequestration" mean I can apply myself even tho I jointly own a house? And what difference would this be to being aparently insolvent?

There is still little or no equity in the house and my ex is still having trouble buying me out even tho he has saved for a deposit. Things can be strained between us as he thinks the accountant in bankruptcy will try and do him out of money by maybe saying the house is worth more than it is therefore meaning he will have to give them more money which will ultimately mean less for me and my kids as he said he will be taking it out of my maintenance. Do you know how the AIB works out the value of a property in these cases?

 

Much appreciated

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Sorry for delay in replying as just back from a short holiday.

 

Yes a Certificate for Sequestration can be granted to a home owner.

 

As far as being able to apply for bankruptcy - either a Certificate for Sequestration or being apparent insolvent is the qualifying criteria. The application fee for applying for bankruptcy is still £100.

 

The AiB obtains a current market valuation of the property from a surveyor.

 

As far as maintenance is concerned, the Child Maintenance & Enforcement Commission sets the standards for child maintenance when there is no agreement between estranged parents, refer to the following link:

Child Maintenance and Enforcement Commission - managing child support

 

Best wishes.

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  • 3 weeks later...

Thanks to everyone for your advice. Thing may hopefully getting somewhere very soon.

My ex has been in contact with a financial adviser who has contacted our mortgage lender requesting that my name be removed as it is having a negative effect on my ex's credit rating and as we are no longer together, he considers this unfair. Is this true? I am now attending a joint interview at the bank with my ex next week regarding this, should I say I am expected to be made bankrupt?

Also as one of my creditors has got their decree against me so Im now worried they will put an inhibition order on my old house therefore meaning even tho I dont live there I cant sell it (even at a loss). Do they have to apply to court again for this and would I be notified?

Where the hell would I go from there? As I understand it this means if I do sell the house any equity received must pay my debt to them, but my debt to them is more than I could dream of getting from the house and as it stands it will be nothing as its worth what is owed??

 

Thanks in advance

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They will not just remove you from a mortgage - your ex would be invited to reapply for a mortgage in their own name to replace the existing one and you would be asked for written confirmation for this.

 

You and your ex are financially connected whilst you have a joint mortgage and or any other loans/accounts etc

 

no they can apply for an inhibition without returning to court becasue a decree has alread been granted

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Thanks Ida. I really didnt beleive it could be so easy.

 

With regards to the new thing coming in in oct for homeowners, think its called a certificate of sequestration. Once my ex has negotiated a figuire with the AIB would that mean my name would then be removed from the mortgage?

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