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    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
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Hubby's potential Insolvency / bankruptcy


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I have noticed a lot more threads regarding Statutory demands, which has got me pondering:

Could I still receive an SD for my personal debts (which are over £1k each time)?

I am sure that I know the answer, but just wondered where that would leave all my OCs? And whether action would be more or less likely in my situation!?

Just to clarify, I have not yet taken any further formal action regarding the BI, other than providing my IP with paperwork

Red

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I have noticed a lot more threads regarding Statutory demands, which has got me pondering:

 

Could I still receive an SD for my personal debts (which are over £1k each time)?

I am sure that I know the answer, but just wondered where that would leave all my OCs? And whether action would be more or less likely in my situation!?

Just to clarify, I have not yet taken any further formal action regarding the BI, other than providing my IP with paperwork

Red

 

 

Yes if the debt is for more than 750.00. As to your other creditors if they're unsecured they will have to wait in line. A secured creditor or say the Inland Revenue would take priority

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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No longer the Inland Revenue:D They have lost their priority status.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thank you for the swift replies Gold lady and Josie8.

Bit confused now tho, J8 pls can you clarify that a statutory demand could be served whether the debt is secured or not? I have not got any secured loans/debts over and above the mortgage....

Goldlady, I bet that inl.rev. were not too happy not to be a priority any more!

Thank you again

Red

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  • 2 weeks later...

Does anyone know how a company called Debt Angels (manchester tel no) could have got my mobile no? They offer solutions for debt issues, particularly repossessions. Not sure if this is related to BR or not?!

I dont give my mobile out very much, so a bit worried.

Any help appreciated.

TY

Red

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Weird - I am the same red - only trusted people get my mobile number. I changed it after Abbey got me to agree to a payment I couldn't afford while I was driving:mad:.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I am stumped Goldlady, could this co have gone via Land Registry and then somehow found me that way? And why not phone the house? In case they get the OH perhaps?

Bit disconcerting, none of our info is safe it seems!

Your reason for mobile no's made me smile btw!

Red

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I doubt you will ever know - unless of course they call you again. I would think they would have to disclose where they got your number from even if you use the data protection act.

 

My OH has a cunning plan which is paying off with our business callers. When he registered our details with Yell he gave them a false name. You would be amazed how many time wasters ring and ask for that person - so we know exactly who has sold our information on.....:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I will definitely ask them as and when they call me again Goldlady! And I will be asking them to kindly remove my number from their data base.

LOL re OH & YEll! I did the same with Thomsons, and they nearly caught me out, as when they asked for Ms Not Red UK, I used to ask "Who?", and then quickly go into role play.

It is a very clever way indeed of seeing who sells your info on to which company, and also working out who to spend your money with the next time round!

Red

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Is your mobile phone a contract? If so it was probably quite easy to get hold of your number.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Mr K, I have never been so petrified, while waiting for something to happen. It was agonising, and almost felt like a criminal! And i was there for moral support! At least we were the only people there and did not have to wait all day.

It feels like a long time ago now, but I did shake before during and after.

Have you been in a similar situation?

Red

 

Very nearly. Basically I`ve had DCAs say I was being taken to court as well as the council actually taking me there. They always try to make out that it`s an offence to be in debt when it isn`t. I do hope you manage to get everything sorted out though

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TY Rory - so my contract mobile number was found using straight forward search! It was just putting the two and two together regarding the house (which is not being repossed atm!), and me being the solvent party.

Mr Kipling, hope that you are getting through your troubles! And you are correct, being in debt is not a crime!

Red

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  • 4 weeks later...

Little update. The trustee (now another insolvency practioner in B'ham) had sent various paperwork to both me an OH regarding general BR affairs, including my interest in the property.

We went to see our IP, and he said that he would reply to trustee on our behalf. Jolly good we say!

Then last week we got a letter from the trustee saying that he would have to instruct a solicitor as we had not responded to his correspondence! :o

So spoke to our IP who had forgotten to send a letter on our behalf!

OH phoned the trustee and explained and apologised, and today I sent a letter confirming the name and authority of our IP to deal with this on our behalf! What a nightmare!

Then I ended up speaking to the trustee today (who was lovely!), as OH keeps getting hassled by DCAs accusing him of owing them money! Aggghhh. Stress!

Any way all in hand now, and will wait for the next chapter!

Red

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Next chapter - already!!

Another update, through the post this morning, I received a fab letter from my IP. He has written to the trustee arguing, using facts, that there is no beneficial interest in the equity of the property for OH. Therefore my IP has advised me that I should be applying for the trustee's interest to be transferred to me for a nominal fee!

Even if the trustee does not agree, I am so pleased with the arguments so far! :)

Red

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Looking good Red. Hope it works out :)

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Contacted the trustee (an insolvency practitioner) about the DCAs who are trying to contact OH about his now long gone debts. I have tried to be a rock, and deal with these things, and hope that i can make the difference.

hopefully the trustee will be able to stop these DCAs contacting us. I know that i have to be strong, and with CAG i will get there! ;)

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Red you are a rock honey. You know that any help you need all you have to do is ask. Keep fighting, you're doing great ;)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 7 months later...

UPDATE: Hubby was automatically discharged from BR, that year flew by! He feels a lot happier now, but the house issue is still outstanding.

The trustee has not been in touch since I spoke to him last about OHs DCAs who kept chasing. The IP at our end has written to say that OH has no interest in the property, and is pushing for the house to go to my name for the nominal fee. Still waiting, trouble is the trustee could be waiting as he has up to three years from date of BR to make a claim should he wish.

Bit of an awful waiting game really! And these things are not moving fast!

Will update as and when....

Red

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Hello

 

A year doesn't seem like that long ago! However I can't remember the exact details of the story, do forgive me for vagueness!

 

The way the property market is going a delay may be no bad thing in terms of seeing any value in the house diminish (if you want to keep it to actually live there that is!).

 

If it was that you are arguing that your interest in the house is bigger than the 50/50 share suggested by paper, you might want to look at some property auction websites, and see if you can find something similar that has sold in your area, or watch for one selling and see what it goes for. There are vast amounts of property being auctioned these days at prices much lower than estate agents would like to think properties are worth, or even not being sold at all. This would help you with establishing a realistic forced sale valuation.

 

If it was that you are arguing that your interest in the house is bigger than the nil suggested on paper, you might want to suggest that the mortgage will no longer be paid if you aren't going to be able to buy the interest (probably discuss with 'your' IP first to see if he thinks it's a realistic threat). Your husband can say this now that he is discharged, as it won't lead to income available to pay an IPA from (it's too late for that), and as the shortfall won't affect him anyway (it would fall into the bankruptcy, what does he care?), and as if you have no interest it wouldn't affect you either.

Edited by Gingerheid
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Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Hey Gingerheid, glad to see you! There have been times along my route with the BR, that I have felt that your advice has been so spot on, and so spookily along the lines that me and the OH have been deliberating!

With regard to the housing market, a house in my street has been dropped by about £50K (nice road where I live!!), which does suggest that estate agents have been too hopeful with their insistence on the housing market still being bouyant (spellling!!!)

I did look at some auction sites, but there was very little in the area, and certainly nothing that I could use in my favour. However, with more and more people struggling financially, this could change over the next few months!

I did contact my IP with the suggestion of non-payments of mortgage to speed things up with the trustee, which was something that we had discussed many months back. He seemed quite favourable, and is considering his next letter to the trustee!

I will let you know!

Thanks again for your support!

Red x

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Well, if you're not being told wildly different things, and if you're being told what you're thinking, that's a good thing!

 

Keeping searching property auctions; there's alwaysva house that's been repossessed near you, you just need to find it!

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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