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 I'm having my home taken to pay creditors
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Trev.pr
Starting Member



3 Posts

Posted - 15 November 2010 :  14:14:31  Show Profile  Visit Trev.pr's Homepage  Reply with Quote
i'm having my home taken to pay crediters. but how do i find somewhere to live councile dont want to know, estate agents hang up when your credit rating is crap due to br

gettingoutofdebt
forum expert



2418 Posts

Posted - 15 November 2010 :  18:14:03  Show Profile  Reply with Quote
Lots of people who declare BR are in a similar position. Are there any private landlords in the area? They don't normally bother with credit checks.
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debtinfo
forum expert



2826 Posts

Posted - 15 November 2010 :  18:35:58  Show Profile  Reply with Quote
try gumtree.com (i think) it is where private landlords advertise directly
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Trev.pr
Starting Member



3 Posts

Posted - 15 November 2010 :  21:37:08  Show Profile  Visit Trev.pr's Homepage  Reply with Quote
thanks for advice i look on gumtree cant find any in my area
i,m trying to find private landlord however in our area they are a bit like hens teeth

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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 16 November 2010 :  13:25:41  Show Profile  Reply with Quote
Hi Trev

are you currently working ?

family living with you ?

how far are you down the debt scenario ?

are you uptogether with mortgage repayments ?

has the creditor actually put a charge on your house yet ? if not it is time to take control of the sitation and call an expert you may be able to save the house but not knowing your circumstances and other debts i can only ask questions and make part suggestions.

I used Paul and his team at Reviva they were really helpfull

good luck Richard
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Trev.pr
Starting Member



3 Posts

Posted - 17 November 2010 :  12:48:16  Show Profile  Visit Trev.pr's Homepage  Reply with Quote
hi richard thanks for your answer.its my trustey pushing for the sale i'v been to court and have to leave by 10.12.10 thats why i'm getting desperate.

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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 17 November 2010 :  22:13:31  Show Profile  Reply with Quote
Hi Trev

I thought trustees were supposed to give you time to resolve issues like finding somewhere to live.

once they have served notice to quit the local council / housing authority should kick into gear (subject to dependants, family set up and housing points).

The council also have lists of BR freindly lanlords.

(added after posting)
Trev the next typing is not meant as a knock but encouragement for others to help them through bankruptcy. The family home is a major concern to most people considering bankruptcy, take advice about the possible outcomes for your home before you petition (preferably from an expert). The trustees will consider selling your property if you have high amount of equity in your property, that could be 3 - 9 months after you have been declared BR definatly not the day of
Bankruptcy court.

Trev sorry to read about your challenges it may be appropriate to speak to a neighbouring council and see what they can offer good luck

Richard

Edited by - Richard P on 17 November 2010 22:31:44
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