Hi, An annulment was never applied for

Hi Bankruptchy 20 August 2010 IVA entered 20 Ocotber 2010 IVA Failed 7 November 2011 OR Discharge 20 August 2011 No Annulment

I had a Limited Company that provided cleaning to the contruction industry. I factored through Lloyds TSB My Invoices said the name of my company on the top of the invoices. On the invoice it said that the payments were to be made to Lloyds TSB Harlow. They then paid the money into my business account. I was declared Bankrupt in August 2010 I went to a Insolvency Practioner They got me to sign a lot of papers and register them with Croydon Court. They them agreed with the companies I owed money that I would pay their outstanding amounts in full over 60 months at the amount of £1,000 per month I could not meet this amount of money per month. I do not believe that I had an annulment I was told that the Insolvency Practs would "fail me" I met them and went through what I owed again and all the debts from the Limited company were removed. The factoring company remained. I was discharged on August 2011 The Insolvency Practs were made my "Trustees" They have registered my property in their names. The OR sent me a letter stating that the "Trustees" would dispose of my assets to pay my debts. I have aprox £100k equity in my home The question about the OR dealing with my equity I would assume is the job of a "Trustee"? I have asked the "Trustee" for a figure to enable me to try and pay off the debt. I havve a friend who might be able to pay this or pay monthy amounts to clear in total Does this cover what you need to know? Thank you

Thank you very much. Enjoy your Bank Holiday w/e

Thank you. Is it too late to resolve the matters I listed above. Time does not seem to be on my side.

I have been mis sold PPI on many occassions, I have contacted NICHE to help me claim these charges back in order to give to the "Trustees". The "Trustees", have to give written permission as I am a discharged bankrupt. They have been asked numerous time by NICHE over many months and have agreed in principle by phone calls but the written permission has not been forthcoming. I feel as if the "Trustees" are just all out to take my property and not do anything helpful in any way to enable me to help myself.

I am new to CAGS and am unsure of how to post in the correct Thread. I had a Limited Company that was suffering cash flow problems. My Business Bank Manager at Lloyds TSB suggested that I used their factoring service Alex Laurie. A representative of this company came to my house and said that they could only take me on a s a "Sole Trader". The service was expalined to me that I would pay a certain amount per month plus a % on any monies factored. It was also explained to me that Alec Laurie delt with outstanding invoinces to me through their legal department. That was what I was paying the fee for. A client refused to pay and Alex Laurie said that they would not chase this invoice but, I could pay them £500 per month to discharge what I had been fronted. I started this but missed one payment and they made me bankrupt (August 2010) I sought out a company dealing in IVA. I feel that they have been lean with advice and most unhelpful. I was told by them that I need to pay them £1,000 per month for 6 years and then I would be in the clear. I explained that due to the nature of my business I could not meet these amounts. They told me I needed to t/o £7k per month to pay them and pay my outgoings. I sought the advice of another IVA company through the CAB, who informed me that I should fail and then I could transfer to them. This I did. I was discharged in August 2011. The OR informed me that I no longer owed the debt (Have equity in my property). The IVA company that I was most unhappy with then made themselves my "Trustees". I am finding it difficult to get any sense out of them, my house has now been registered to them. I am told that I can pay my debt through a 3rd party. I have a friend who is prepared to discharge my debts for me but: I am unable to establish a figure and a debt on bankruptcy that has been claimed by creditors is £25,207.30, of which I am unclear about £8,612.13. I have paid £5k through a tax rebate to the "Trustees". The amount I am now being told that I need to pay to discharge this debt is £94.664. What options do I have if any? I have offered to start paying monies monthly as and when my company recieves funds, and my friend has offered to pay an amount as well. I am living day to day wondering when I will get a knock on my door and be asked to vacate. I feel that I am being railroaded and unable to get any sensible advice. Also I have now been unable to pay my mortgage for 3 months and am in court on the 5th September for a repossesion order. I am due considerable funds through my company on the 9th September. I have spoken to my mortgage company who say I could possibly change my mortgage to buy to let and with the help of my friend obtain this. I would ideally like to let the property out as the outgoings are way below the income it would provide. Also along line with the mortgage I have a secured loan with Blemain Finance which was for £32k this was taken out over 5 years ago and I have been paying £360 per month. Blemain say that if I repay this loan early I will have to pay them £44k. I have so many issues to resolve and I need to find away to sort this out.