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Banks refusal to negotiate on mortgage matters


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Hey great thread and awesome advice.

 

I wonder if anyone can answer a question for me. I'm Irish and lived in the UK for 10 years before moving to Canada 2 years ago.

 

Long long story but after the bank refusal to negotiate on mortgage matters I declared bankruptcy in the UK ONLY. The insolvency office / Receiver has been in touch about an IPA. We have exchanged a LOT of e mails and I've told her I can't enter into an IPA as I can't spare the money or I wouldn't have gone bankrupt back in the UK. I've told her that bankruptcy is brought on by people entering into agreements which they cannot uphold and I told her that I'm confused why her office of all offices would encourage that.

 

Anyway I told her that out communications have come to an end as she hasn't heard a word I've said to her.

 

So my questions is this. She can choose to apply to the UK court for an IPO, it would then have to be endorsed by the Canadian court etc. Has anyone ever heard of them going to these lengths? She was looking for 162 pounds per month from me which I told her that I could not afford. Is it likely that they will go to these lengths or do you think they'll drop it.

 

I know it may cause me problems being discharged in the UK but I'll never be back there and the bankruptcy has not followed me to Canada and I know it won't.

 

Thanks for the advice.

 

Farfromhome.

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PS: Can anyone advise me on how to start a new thread??

 

Go to http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?266-Overseas-Debt-Overseas-Account-issues and click 'Post New Thread' in the blue box at the top or bottom of the page.

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She can choose to apply to the UK court for an IPO, it would then have to be endorsed by the Canadian court etc.
I would assume that they will discontinue with your bankruptcy application.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hey guys,

 

Thanks a lot for getting back to me on this. Sorry I didn't think anyone had replied.

 

I'm dealing with a great firm based in the UK and my lawyer says that a High Court judge has declared me bankrupt, the Receiver cannot undo that. I suspected they might just prolong the discharge. I won't be going back there again anyway. Thanks for the input.

 

Farfromhome.

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