If i sell my car after speaking to the OR do u think they will leave my brothers car alone. i also found 2 statements showing my mum had paid road tax and insurance, also how far back can u request bank statments this will show i didn't pay any of my own money towards the car.
I think that you need to answer the OR's questions honestly and explain to them exactly what happened with regard this car. They are not there to take things which they are not entitled to, and you do seem to have a good case to prove that you have no interest in the vehicle.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com
well the OR called me a week ago, stating i will not be able to keep my car, which is fine as i don't use it that much, Then he said they will also be taking my brothers car, i explained that it isn't my car, never has been had only been in my name. Then he said why did i put it in the soa, which made me think do they really check with dvla???? Anyway after explaining my situation, they need proof that my mum paid me cheques every month for the 3 years the car was on finance so i've ord my mums bank statements, which show this so hopefully they should be with me soon, I am hoping my brothers car will be safe after this. What do u think melanie????
hey all, well i provided all the information they needed, and i called the or last week to see if everything is ok, he said with all the information i have provided my brothers car should be fine! so that is such a relief, i also got a letter saying i'll be paying £100 per month from september. so what happens now do i just wait for them to contact me to let me know where to set up the direct debits. also its been 2 months since my bankruptcy my co-operative account is still open, do you think this will stay open ti thought it would have been closed by now.
I'm glad everything has been sorted out with your brother's car.
You will be contacted by a firm of solicitors called Clarke Willmott who collect your IPA payments for the OR. Although you have been told you will be paying from September it may actually be later than this - they didn't contact me in time for my first payment! I pay my IPA by standing order each month.
Was the Co-op one of your creditors? If not and it's a basic Cashminder account there is a chance that you will be able to carry on using the account, but you would need to check with the OR and the Co-op.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
nervous!!!
Posted - 24 June 2008 : 14:57:36
