lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!

[Wooks001]

I can understand how stressed you may be, wait for The Mould to get back to you.

That way when you do speak to a solicitor/barrister etc you might be able to offer/suggest a defence, their answers should give you an idea of how competent they are in this area of law.

[Wooks001]

I'd still give it a couple of days for advice, be as patient as you can. Law is very very complex and you need an expert

.

It might also be worth employing a Barrister rather than a Solicitor, I used one years ago for another matter and it was £500 fixed fee. Some place in Leeds but I can't remember the details.

Can't say as I know much about law but I'd explore all options/costs and take my time.

 

Don't know if this idea is worth exploring or if you have the time.., but how about contacting your local CC and seeing if there are any similar cases going on. I think you can sit in and listen as a member of public, but I could be wrong. Just a chance a good solicitor etc might turn up, or suggest a colleague.

[Wooks001]

Obviously you want to keep your home and I don't know the details, but why would he have to, no reason why you can't rent somewhere to live.

Local council/Housing Associations would help, and in your circumstances with a child to look after you should get priority.

[Wooks001]

Just done a quick search for local housing associations in Wales where I live, found one who represent over 70 housing associations and 153,000 properties.

There are bound to be similar organisations where you live, how about giving one a ring for peace of mind.

I know social services can be a funny bunch but if you have an offer of alternative accomodation from an association, it is secure. Not like a private landlord who can sell at any time.

[Wooks001]

Since you have contacted your MP this link might be of use http://www.parliament.uk/briefing-papers/SN05178.pdf it's a guide for MP's re bancruptcy.

 

(fonts gone crazy)

 

It mentions something called a charging order which can last up to 12 years.

If the trustee agrees to this (their primary duty is to serve the creditor) they retain an interest in the property but you don't have to sell.

 

Might buy you some time to sort things out.

Obviously I'm no expert just looking for things that might help.

 

What has happened is wrong, plain and simple.

[Wooks001]

A spreadsheet is probably the easiest way to do this as you can easily insert new lines and columns, I got a bit lost with dates etc on my own case with the FOS.

[Wooks001]

Hi Wendy, the attached document is how I created a log to get my head around who said what and when.

Don't know what the experts think but it helped me at the time.

[Wooks001]

The trustee acts for the creditor not the debtor.

 

I am not an expert but I think this matter can only be settled in a higher court, trustee is just fobbing you off.

[Wooks001]

Unfortunately I'm not legally trained so can't advise.

What I do know is that what has happened is wrong, plain and simple.

Could we all (thousands of us) complain to our MP or Wendy's one, if they get fed up of complaints they might get involved.

[Wooks001]

Not sure what problems you are having uploading documents, so we will have to start from scratch. Computers can be very frustrating at times, but you'll get there in the end.

 

First question is what version of windows are you using, I've never used Windows 8 but the principle is the same.

First I scan the documents and save them as a jpg to keep file sizes small.

Next I use MSPaint to remove personal information, save the file and then copy it.

Then I open Wordpad and paste the jpg in using a new page for each file.

This will give you a Word document which can be saved and printed.

To produce a pdf file for uploading I use some free software called CutePDFWriter.

In Wordpad you simply select it as a printer, and then attach the pdf file produced to your post.

 

If you have a pdf file and need to edit it to remove personal information, then if you open it Ctrl-A will highlight the text and you can then copy and paste it into Wordpad.

 

Hope this helps, if not I'll try to answer questions or explain things differently.

[Wooks001]

Wendy you have left the account number on default 2, would be best to edit the post I think.

Apart from that I think they should be good enough for the experts to comment on.

Talk about small print!!.

[Wooks001]

Hi Wendy,

 

It's a pdf alright but it looks odd, like the document was scanned at A5 size not A4.

Text isn't readable at this size. Think this was the worst quality one though.

 

Wooks

[Wooks001]

Just had a thought, if printer settings/paper was set to landscape and you fit to page you'd get this.

[Wooks001]

Hi Wendy,

 

Well done for getting to grips with the computer issues, all scans are perfectly readable now.

Even a novice like me can now see the unfair charges and the fact that your bank took your benefits making things worse.

 

Wish you all the best

 

Wooks

Edited October 24, 2013 by honeybee13

[Wooks001]

I'd get everything in writing, not exactly trustworthy are they!!

If you do ring make sure you can record the conversation.

[Wooks001]

Just reply stating that your ex has already contacted her by email, please comply with his request.

He's your ex right, you don't know his number so why is she contacting you if she wants to contact him.

[Wooks001]

It's games Wendy, she doesn't want a paper trail.

I think trustee's are appointed by the court, maybe they can advise on a complaint.

Your ex could complain too, he is very worried about his share of the equity, trustee ignoring his requests as to how to contact him etc.

[Wooks001]

Wendy, researching this but it's somewhere to start.

Google Trustees Act 2000, if I can find a regulator etc I'll post it up.

[Wooks001]

Have a read at this folks, looks like a trustee is appointed by the court, and can be removed by the court!!.

Must be a way to complain then.

 

http://bankruptcy.cleardebts.co.uk/bankruptcy_trustees.html

[Wooks001]

Could this be it.

 

http://www.justice.gov.uk/complaints/ospt

[Wooks001]

Maybe she has realised you can't be bullied/threatened anymore, and her conduct hasn't been as good as it should have been.

[Wooks001]

Wendy,

 

Why don't you put all your scans in a Wordpad document in date order, oldest first.

If you can read all your scans in Wordpad print the file to PDF format.

If you can't read a scan then you need to do it again.

Will save an awful lot of problems uploading information.

 

Wooks

[Wooks001]

Take your time and if you have a problem I will try to help.

I'm following this topic like many others so will get back to you asap.

[Wooks001]

Wendy have a read at this before you start, might help.

[Wooks001]

Wendy,

 

It's all readable, just not a pdf file.

Anyone with Wordpad can read it and that's all that matters I think.

A pdf file would be smaller, quicker to download etc.

You could just print to a pdf file from Wordpad if you wanted.

 

Wooks