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andrew.m
Junior Member
United Kingdom
335 Posts |
 Posted - 16 September 2008 : 13:19:13
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sorry to be blunt but the judge was a right old swine, he treated me as if i had just slid off his shoe, up until that everyone else was nice and kind!
i put some money into my partners property around 8 years ago, the mortgage was in her name and i helped with the renovation costs, it seemed the right thing to do as we had a daughter, he implied i should see a solicitor to recoup my investment and pay back some of my creditors, at the time if i sued my partner it would have left her and my daughter homeless, i couldnt exactly see BR coming 8 years in the future, if the OR asks me to see a solicitor am i within my rights to refuse?
my ex would cut my access to my daughter if i pursued this avenue! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 September 2008 : 13:29:41
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Oooooh andrew
That is such a shock, what do you intend to do.
I would stand by your guns the OR may pick up on it and i think the worst that would happen now would be a BRU or BRO.
Oh mate we are here for you, please keep posting and most of all keep on smiling. :-)
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 16 September 2008 : 13:30:43
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Hi Andrew
If the OR believes you have a beneficial interest in the property they would persue this themselves. It would really depend on how much money you put into the property and if this had any effect on your insolvency.
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 13:40:44
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| it was only 4.5k around 8 years ago |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 13:44:18
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| im ok, my query is this, on my SOA i had 4 cards which i put reason for debt was home improvement, that was the original reason i took them out some around 10 years ago, they have of course been used for other things since then of course, should i explain this to the OR? |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 16 September 2008 : 13:54:55
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Yes
If you explain that only a small proportion of the debt was for home improvements and this was your only contribution to the household during this time it should be fine. It was a long time ago and would probably not be an issue.
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 September 2008 : 13:56:21
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Hi Andrew
Is it a case of home improvements and general spending, if it is then thats no different to how i used mine so i would say not to worry but if im wrong then maybe someone else will come along and add on to this.
I hope the rest of the day pans out better than this morning.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 14:00:38
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hi suzanne,
as i said it was only 4.5k and that was my only contribution, i have just looked over my papers and there has been a typo, thats what caused the judge to question me.
i had put 45 to 50000 on improvemnts in under 2 years, i had missed the . and added a zero, i have just rang the court up and they told me not to panic but tell the OR in our initial meeting, what a knob i am!!! |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 14:01:54
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| skulks away and hides, if i had 50k i would have bought my own house |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 September 2008 : 14:02:08
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Oh Andrew
Never mind at least you can explain to the OR when you have your interview, now go and enjoy the start of your new debt free life.
:-)
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
Edited by - Needafriend on 16 September 2008 14:02:34 |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 14:17:02
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| im still in a total panic if the OR contacts my ex as she will hit the roof and stop me seeing my daughter |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 September 2008 : 14:20:01
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Andrew,
Does you ex know you went BR.
Is that why your paniking, i dont think they would force her to cough up any monies, like Suzanne has said they will look into it and they may well contact to ask but if they dont have the money they can have it.
Do you have a vested interest in the house still?
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 14:31:22
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| no, it sold about 3 years ago, she doesnt know i went BR |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 September 2008 : 14:32:57
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Hey Andrew
I dont know what to suggest, do you want to tell her rather than her find out another way. She may not get told by the OR.
I feel for you i really do if going to court to do the BR is not bad enough then you get this trown at you.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 16 September 2008 : 14:39:27
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| i cant honestly see why they would want to contact her, would it not cost more to pursue the 4.5k than the actual amount |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 September 2008 : 14:41:51
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Hey Andrew
I have no idea. try not to worry yourself over it. When you speak to the OR explain it all and ask them then what the state of play may be.
Enjoy the day as you are now debt free and you should not be worrying, cross that bridge when you come to it.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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went BR today, awful experience
