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    • Tues the 9th July by 16.00pm to acknowledge service and Tues  23rd July to submit your defence...by 16.00pm   Andy
    • Hi ericsbrother, thanks for your reply, I will send you detailed response ASAP.   i need to go Doc appointment.
    • Will try get clear pics of signage.
    • Part of the POFA rules for creating a liability to pay a parking co is identifying the land they control so is there another palce of the incorrect name? If so then photographs of the other site will prove that your vehicle cnat possibly have been there as the images they will produce wont match the background etc. If however Bromhall developments is the name of their employer would the land in question be known by the same name for the entire development?   The POC is the usual rubbish and inaccurate one they cribbed from Gladstones so can be attacked in your outline defence.   Now I have googled Broomhall developments and they are an Irish Co that has bult a similar named housing estate in IRELAND. ther is also  a Broomhall gateway development plan for SCOTLAND but nothing in England, let alone Sheffield specifically   defence has to be in a fortnight after the deadline for the AOS assuming you get that in on time.   On google noseyneighbour I can see signs near to the parking bays that say permit holders only so unless you have a permit the signage doesnt apply to youas you would be prohibited fro parking there anyway. So with this in mind were you parked in a bay or on the road? Were you visiting or connected to the property that bay was allocated to and if so can you find out if the bay is part fo the property and noted in the deeds. If it is then it has nowt to do with VCS.   So you are going to grab some pictures and then you compare these to the web site of Broomhall development in ireland and that will be part fo your evidence   Also ask council when the Close was adopted by council as it appears to be a public highway
    • Ericsbrother   If I had the opportunity at the time I would have argued the value on the Court claim, however this wouldn't have changed by a significant amount.  So asking for it to be set aside is probably not going to end this in the long run.   No we don't owe any money to the business.   We have a good set of books and records.  No account filed as of yet.   The company is still 'active' on companies house and has not been dissolved.  We only received the Notice of enforcement a few days ago.       What makes you think they can force entry into a domestic property?      
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I've attempted to post this in the bankruptcy forum but the site won't allow it for some reason (possible bug?)

 

Anyway, im looking for advice on how to move on with my current debt situatiuon

 

I have 33k of current debt and 44k of historical debt, so 77k all in

 

It's almost all on credit cards are from the following:

 

WTC overpayment

Housing benefit overpayment

02/Lowell

Two overdrafts

 

Im currently dealing with two court matters due to historical debts and when i look at all the accounts over the years i owe money on i feel im left with no option but to go bankrupt

 

I own no property

I don't drive so have no car

I own nothing over the value of £800 (which i believe is the threshold)

 

Im also on long term ESA and claiming housing benefit too so my income is next to nothing at present

 

Looking forward to hearing some thoughts?

 

Cheers

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Bankruptcy decisions are really best not to be discussed on online forums. You need to speak to a qualified insolvency practitioner, who will run through all of your finances/debts, enabling you to decide whether to proceed or not. You need to fully understand how to include all debts allowable for bankruptcy and about the whole process.

 

I am sure if you searched, you will find a local bankruptcy practitioner, who will help you. It does seem to be rationale choice in your position.


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unless your debts can be successfully challenged, eg ppi, charges, barred, unenforceable etc, to effectively reduce it all down to something manageable, and you're able to go through doing such (thinking of what you posted before re your health), then bank'y may well be the way forward.

all depends on your full circumstances.

as said above, get as much independent advice as poss.

good luck.


IMO

:-):rant:

 

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Thread moved the appropriate forum.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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as said above, get as much independant advice as poss.

good luck.

 

This is what i'm confused about, i know all my debt apart from two benefit related ones can be included. I know the costing and time scale but i honestly thought it was as straight forward as going through the online process at gov.uk

 

What else would i need to know considering i own no property and i'm on a very low income/benefits?

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as uncleb posted, perhaps get formal advice to see what for sure can be included; eg cab, national debtline, practitioner, etc

then go through the process if thats what's best for you in your circumstances.


IMO

:-):rant:

 

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