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Peter.ly
Starting Member
1 Posts |
 Posted - 22 May 2011 : 11:17:21
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| I have a caravan in Portugal, in my daughters name , that i have ben living in. The OR in bankruptcy rang me to say it is considered an asset and must be delivered to their agents within 21 days. I am bankrupt and cannot offord the min of £1000.00 it wil cost to return it to Bristol from the Algarve in Portugal.Can I expect the OR to pay for this or what can I do? |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 May 2011 : 12:03:53
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If it is in your daughters name then how come it is down as an asset for you?
If you are bankrupt then you need to speak to OR about this and tell them the circumstances.
The world is broken, halos fail to glisten
We try to make a difference but no one wants to listen
Hail the preachers, fake and proud
Their doctrines will be cloud
Then they'll dissipate like snowflakes in an ocean
Jan
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Blackie
forum expert
United Kingdom
565 Posts |
Posted - 22 May 2011 : 17:05:41
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Hi Peter.ly
Let's rewind. There is no way that the OR can demand that you return an asset that belongs to your daughter. Please delve more deeply as I suggest that the person who told you was a junior member of the OR's staff trying to earn brownie points. There are a lot of knowledgeable experts on this forum who will be able to help you.
Kind regards
John Blackadder
Bankruptcy365
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
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Peter
Starting Member
United Kingdom
5 Posts |
Posted - 22 May 2011 : 20:16:30
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Complicated but caravan was paid for by me last year so considered my asset.
real question is about repatriation costs. I have offered pay market value over 5 years but the civil servant dealing with it thought it unlikely |
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debtinfo
forum expert
2826 Posts |
Posted - 22 May 2011 : 21:20:09
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| how much is the caravan worth now, Is anyone living in it now. were you iving in it on the date of your bankruptcy |
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Peter
Starting Member
United Kingdom
5 Posts |
Posted - 22 May 2011 : 21:57:58
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| value around £7000.00 i was living in it from august last year to March when i returned to sort out the bankruptcy late April |
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Peter
Starting Member
United Kingdom
5 Posts |
Posted - 23 May 2011 : 07:29:22
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The OR admin contact told me they might have considered it my ome IF I had been in it for a longer period. I had let my house for 12 months but the tenant came out owing money after 6 months so I had to return and put the house up for sale..we are losing that as well. and they still cannot.
agree if I will keep my car , its all making me ill
will be out on the street with nothing and no money its worse that owing all the money. My separated wife also went bankrupt. I am left with a small pension of £700 per month. having just survived a month living on £150 I now have to find £1,000 to bring my caravan back to the OR. |
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Blackie
forum expert
United Kingdom
565 Posts |
Posted - 23 May 2011 : 09:02:36
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Hi Peter.ly
I think that you should make an appointment with your examiner to discuss the situation. It does sound as if things are spiralling out of control quite rapidly.
I cannot believe that you are being charged to bring the caravan home and, presumably, it is worth £7k in situ in the Algarve.
All the best
John Blackadder
Bankruptcy365
For help and advice on the easiest and most effective way to a debt free future, please go to www.bankruptcy365.co.uk. |
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Peter
Starting Member
United Kingdom
5 Posts |
Posted - 23 May 2011 : 10:50:28
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tried that but can get no decisions other than the ultimatum over the telephone regarding the delivery of the caravan to their agents. Have no replies to over 6 emails .
What is the usual period to decide on say whether i can keep my car |
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RHB
Senior Member
1159 Posts |
Posted - 23 May 2011 : 13:32:35
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| If you don't have the money to get it back then you don't have the money & tbh it is no longer your problem. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 23 May 2011 : 13:44:14
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Who has not replied to emails?
If it is the OR, then there is a complaints mechanism - although softly softly first - a polite and reasonable approach first and see what happens
Good luck, Richard
can get no decisions other than the ultimatum over the telephone regarding the delivery of the caravan to their agents. Have no replies to over 6 emails .
What is the usual period to decide on say whether i can keep my car
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Edited by - Housing on 23 May 2011 13:44:59 |
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debtinfo
forum expert
2826 Posts |
Posted - 23 May 2011 : 18:08:35
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| As RHB says, they cant make you bring it back, they cant charge you for it either, I would just give them the keys and tell them to sort it |
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Bigal4787
forum expert
United Kingdom
641 Posts |
Posted - 26 May 2011 : 15:30:52
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Hi,
if the OR as trustee is claiming the caravan as an asset, then it's up to them to instruct their agents to do whatever they need to realise it as an asset, by the time agents fees, repatriation costs etc are taken off they won't realise very much for it. Just tell the OR it's up to them to recover it.
Big Al
Insolvency examiner with the Insolvency service from April 2008 - July 2010.
If you need help completing SOA's(statement of affairs) or PIQ's(preliminary information questionnaire) if you've been declared bankrupt, or anything else and you're within 30 miles or so of Warrington, then please contact me via my contact details in the expert page for futher details"
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Peter
Starting Member
United Kingdom
5 Posts |
Posted - 26 May 2011 : 17:04:51
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Offered £6k and repayment £100.00 over 5 years to kep my caravan home but they turned me down.
OR said they would pay reasonable costs to get back this will be around 1K at cost for a friend to bring it back. So I lose my home and as y say creditors will get very little.
I realise the OR is working for the creditors but I shall on top of the whole mess be on the street, seems no duty of care for me as the bankrupt..
This is the worst experience of my life should have struggled with the debts..it was easy for the experts giving me advice to go bankrupt |
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debtinfo
forum expert
2826 Posts |
Posted - 26 May 2011 : 18:38:20
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| The OR is not working for the creditors, they are working for the court |
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Topic |
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OR wanting caravan which will cost £1000 to deliver
