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long story... but I have a bankruptcy order hearing coming up. I have a few questions...

1) I am on benefits with no assets, however I recieve csa payments are these taken into account in income?

2) The amount the creditor has stated is 10000 when the last bill I had was 7000 and they have refused to provide a breakdown.

3) because I am on benefits do I just let this difference go

4) It states hearing is 5 minutes in length, do I need to attend. How long after is appointment with or?

5) I only have a basic bank account with barclays will this still be closed?

6) Can I use my account inbetween hearing and appointment with OR?

 

I don't see any other option but to allow this bankruptcy with no fight :(

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Also to add, in the order it stated that for larger part of previous 6 months I have been living at address that I moved out of 1 month after stat demand was posted through letter box, plus BO was served not in an envelope! but think maybe I am nit picking

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Did you not make an attempt to have the Stat Demand set aside ?

 

I think you should challenge the amount £3,000 is a large difference - they should indeed provide a breakdown of what they are claiming.

 

Are you having ALL debts included in the BR ?

 

I think the CSA monies is for your children isnt it ? TBH, I am really not sure what is or isnt included in Income. I will try and find someone who has more experience to advise.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks, I contacted them over the stat demand and was told pay up or we will make u bankrupt then had phone slammed down on me. I had a major personal problem 2 weeks after stat demand arrived that didn't get sorted out until may and was classed as homeless (not through any fault of my own) I lost all my paperwork including that and didn't do anything about it :( I have since got a copy of original bill and it states 7000 on it. How would I question this amount at this stage?

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Apologies but may I ask a few questions ?

 

May I ask who is doing this ? Lowells ? BWLegal ? 1st Credit ?

 

When is the hearing ?

 

What is the debt for ? any PPI ?

 

Any disputes previous to the stat demand ?

 

Am I right in saying they served the stat demand at the wrong place but served the petition at your current address ?

 

Are you up for a fight ?

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Hi, the debt is with a private school for 2 terms fees. I have never disputed the 7000 with them, however thy had redwoods collections deal with this and the man there told me it was now 10000 for 3000 extra outstanding from when daughter had attended their nursery.

 

That previous account had been paid in full, after all they wouldn't have offered her a scholarship 3 years later if I had owed them money. The school merged with another one and it seems to be them that are pushing this. Stat demand was deliverd through letter box to a house I lived in, but I moved out of it under 2 months later.

 

Yet court papers state "the debtor has for the greater part of 6 momths immediately preceding this petition resided at (said address) petition was filed on 18th january and I had left that address 1st october previous year. The bankruptcy petition has been served at my new address although this address isn't listed anywhere on the court papers.

I am up for the fight if I have grounds for it

Edited by citizenB
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I think all your other creditors will need to be advised - who does this though I dont know. If you are going to accept the bankruptcy then you obviously want ALL your debts included not just this one.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It also states that school fees were incurred between 3rd june 2010 and 4th july 2011 ... my daughter started there september 2010 and left april 2011 ... plus the extra 3000 that they are claiming is from when she attended their nursery between sept 2006 and june 2007 yet these dates arent mentioned

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You can oppose it on grounds that you have a substantial dispute, your point about them adding on previous fees is valid but maybe not enough to get it dismissed. (you should certainly raise this) As for an abuse of process, it seems they served the demand on you (please tell me otherwise - and the petition should say how personal service (of the demand) was effected). You asked for a full breakdown of how the debt is made up. The fact they didn't do this is a breach of CPUTR2008 (again I fear it may not be enough to dismiss)

 

Do Redwood Collections actually own the debt now or have they been asked 'to collect on behalf of' ? It seems they have made an attempt to add a nice big chunk for themselves.....(which at the end of the day - and if you are made bankrupt they won't see anything of !!)

Edited by 42man
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Redwood Collections are members of the CSA

 

The CSA's code of conduct quite clearly says -

 

Where a debt or the sum owed is disputed, as

soon as is practicable, supply information to the

debtor in support of the claim. Where no

information has been supplied by the creditor,

obtain the required support, or failing that cease

collection action.

 

d) Comply with Debt Collection Guidance as

Published by the Office of Fair Trading

from time to time. (which clearly says - i. when a debt is reasonably queried or disputed, failing to investigate and/or provide details (possibly including, for example, details of account history, payment schedules and relevant correspondence) to the debtor, as appropriate, in a timely manner or at all

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Offences relating to unfair commercial practices9. A trader is guilty of an offence if he engages in a commercial practice which is a misleading action under regulation 5 otherwise than by reason of the commercial practice satisfying the condition in regulation 5(3)(b).

 

Which clearly state...

 

Misleading actions

 

5.—(1) A commercial practice is a misleading action if it satisfies the conditions in either paragraph (2) or paragraph (3).

(3) A commercial practice satisfies the conditions of this paragraph if—

(b)it concerns any failure by a trader to comply with a commitment contained in a code of conduct which the trader has undertaken to comply with, if—

(i)the trader indicates in a commercial practice that he is bound by that code of conduct,

 

Interpretation2.—(1) In these Regulations—“average consumer” shall be construed in accordance with paragraphs (2) to (6);“business” includes a trade, craft or profession;“code of conduct” means an agreement or set of rules (which is not imposed by legal or administrative requirements), which defines the behaviour of traders who undertake to be bound by it in relation to one or more commercial practices or business sectors;“code owner” means a trader or a body responsible for—(a)the formulation and revision of a code of conduct; or(b)monitoring compliance with the code by those who have undertaken to be bound by it;

 

“trader” means any person who in relation to a commercial practice is acting for purposes relating to his business, and anyone acting in the name of or on behalf of a trade

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The hearing is 10th october... redwood don't appear to be saying they are owed money or to have added anything onto the original 7000... however this figure of 10000 I have never recieved a bill or a breakdown for. First I heard of this amount was through a letter from redwoods and I have recieved no invoices from the school since redwoods got involved. The last invoice from the school is for 7000 and is dated 15th june 2011. Guy at redwoods was the person who informed me it was for nursery fees from 5 years previous.

If this were you where would you go with it as I don't know how to have these issues addressed or to deal with them. Thank you

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If it was me in this position then I would try and defend however I wouldn't be feeling that confident, I just don't think there may be enough to fight it.....(sorry to sound a bit negative !!) Have you tried calling the National Debtline for some advice (free, impartial and confidential - http://www.nationaldebtline.co.uk/ ) They may even say that bankruptcy might be the best way forward....and lets not forget it isn't the way you go into bankruptcy it is how you come out of it....give them a try.

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Yes I called them last year when I was dealing with redwood... the lady on the phone actually called the man at redwood and had to end the call because he was so rude and abusive to her. She said she had never dealt with anyone so unprofessional before. Guess in a years tim I will be writing a blog telling everyone about my experience and how life begins again

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You must certainly find out and I am sure National debtline would know - is how you ensure that ALL your debts are hoovered into this bankruptcy. If you are going to accept this, then you want everything covered.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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To answer citizenB's question, All debts are automatically included in a bankruptcy (apart from those exempted by law) there is nothing you need to do or not do at this time to ensure that all debts are included, that is something you will sort out with your Official Receiver later when they send you forms to fill in (after the bankruptcy order is granted)

 

Francine- The Stat demand and petition do not actually need to 100% correct to have the B.O. granted and small discrepencies wont lead to it being dismissed. The creditor just needs to take reasonable steps in order to present the best facts possible. For instance if you move and dont tell them where you go then it is perfectly justified for them to make you bankrupt and send all documents to your former address as you have not kept them updated. Having said that if the creditor sends to to a wrong address on purpose (which has been known to happen) then that would be an abuse of process and a reason to have the petition dismissed (or annulled if it has got that far). Often if there is no malicious intent an objection would merely delay it whilst the paperwork is updated to be correct.

 

Really what you need to think about is this, say they correct everything and reduce the amount to the original £7000, can you pay that in a period that would satisfy the court (probably within a couple of months) if not the judge would probably still make you bankrupt as you would still not be able to pay the debt.

 

One last thing to think about, Are you debts under £15,000, could you get in quicker and maybe do a DRO (which is still insolvency but on simpler terms) instead

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Hi I have just looked at a DRO. I won't be able to apply for one as it states .."your creditors have applied to make you bankrupt but the hearing hasn't yet taken place. But you might still be able to apply for a debt relief order if your creditors agree". I can't see them agreeing to it at all seeing as I offered them 150 a month as repayment and they turned that down. I think they are under the false impression that I have assets. Which I don't so they are in for a massive shock when they end up totally out of pocket, when infact they could have had payment just over a few years.

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long story... But i have a bankruptcy order hearing coming up. I have a few questions...

1) i am on benefits with no assets, however i recieve csa payments are these taken into account in income? not if all your other income is made up entirely of benefits

2) the amount the creditor has stated is 10000 when the last bill i had was 7000 and they have refused to provide a breakdown. request the breakdown in writing, sent registered/recorded. Did you give the required written notice for your child to leave the school? One explanation for the extra £3000 is that perhaps you didn't and that is the summer terms fees that you are therefore liable for?

3) because i am on benefits do i just let this difference go if bankruptcy is inevitable it will make little difference tbh so probably not then worth the fight

4) it states hearing is 5 minutes in length, do i need to attend. How long after is appointment with or? no you don't need to attend

5) i only have a basic bank account with barclays will this still be closed? barclays basic and co-operative cashminder are the two br friendly accounts so you should be fine

6) can i use my account inbetween hearing and appointment with or? yes absolutely

 

i don't see any other option but to allow this bankruptcy with no fight :(

 

hth

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  • 1 month later...

update... got advice... and bankruptcy went ahead. However I haven't heard from the court. I was served papers at my address however the address on the insolvency register is an address I lived at over a year ago. I'm concerned that they will write to me at the wrong address. Do I leave it or do I need to contact the court???

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you should contact the OR assigned to your case, i know what are you thinking,how do i know who is assigned to my case?

 

well you can look here http://www.insolvencydirect.bis.gov.uk/eiir/ and see if you are on the register, if not then you can check here http://www.insolvencydirect.bis.gov.uk/rebrandedorsearch/oraddresssearch.asp for your local office and give them a ring

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