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Charliuk

Newbie - Bankrupt.

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Hi All!

 

I just wondered if anyone could help with my situation.

 

I went bankrupt in May 2006, so as a result I am no longer able to offer payments towards any debts I previously accrued.

 

My husband and I held a joint bank account with First Direct which was closed in january 2006.

 

I have just received my 6 years bank statements from them and have calculated over £1500 in charges.

 

My question is - As there is still money owed to First Direct, my husband is now responsible for this debt. As it is me that is claiming the refund, would they be able to insist that any refund go towards the amount oweing to them. My husband has aa agreement in place with them to clear this.

 

Many thanks

 

Charliuk

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welcome Charli, not sure I'll ask for you chuck

Freebird


1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Has this account been put solely into your husbands name?


Consumer Health Forums - where you can discuss any health or relationship matters.

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The Account was completely closed. As far as i am aware I am not allowed to be named on it now due to the bankruptcy. the account is basically an overdraft that my husband is paying off. I was advised that I am to have nothing to do with paying this debt off now.

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So the debt is now solely in his name?

Go ahead and claim on the closed account as it was joint your husband can claim.


Consumer Health Forums - where you can discuss any health or relationship matters.

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