No I my marriage is over because I've also found out now she is addicted to cocaine & I'm so worried for my child, but she won't let me take her with me, I don't know what to do

She openly admitted to opening my post & setting up Internet banking, she never had to go into a branch & if the bank did send a query apparently it was just a text message asking for confirmation to the transaction with a yes or no reply. She's run mounds of debts in my name I'm only just starting to gather everything. Not informed police yet, we've got a 3 year old...my wife is trying the Edited card!

Over two years my wife has drained my bank account of £40k. I'm a complete idiot, but did not even know I had internet banking, my wife obviously set it up behind my back even supplying her phone number as my contact, I always asked her to check my balance & trusted her not realising she gambled all my money online using all my details & transferring money from my account to her own. I've asked lloyds why they did not alert me looking at the transactions & they say they only send a text, surely they have to be responsible in some way letting this happen, but they tell me it's my own fault, because my wife had my card & pin which she took from the post without me even knowing, but my argument is she didn't need my pin for thousands of online transactions.

Southern Pacific sold my mortgage to engage credit earlier this year, I have not heard anything about a refund from either company, am I entitled to be refunded?

I am also being chased by enterprise under the same circumstances as you for £43000 of made up debt , I cannot believe they can do this to people, they promised the earth, gave nothing & now want to take everything, I have not heard from them for 4 months though I am certain they haven't forgot about me, I was made bankrupt in March however because we had a joint tenancy agreement the debt now passes on to my husband & we are now having to face the fact that he will have to declare himself bankrupt to crush this debt. I hope you can get some good advice on here , they seem a good helpful bunch, best of luck & don't give in to enterprise!

Hi I have had tremendous help here before, after successfully suspending repossession on my first mortgage I am now being chased by my second mortgage co. I have large arrears on my second mortgage & they got a repo order but have not set a date for eviction now for over 6 months whilst I have been paying them £50 per month off the arrears but I promised them a lump sum payment of £1500 which my mom said she will give me, whilst it was waiting for them to accept the offer after them first refusing I was made bankrupt, I am much better off now, very little equity in my home but here's my scenario, I am now being hassled for the £1500 with threat of eviction, but if I accept this money from my mom then I should pay it to my official receiver, either way I seem doomed.

No we own nothing of value, the question is do we lend the money to make my husband bankrupt before bailiff turns up at our home of which is very embarrassing to us in front of close neighbours or is it likely that if we send a letter to bailiff stating we own nothing of value or any cars that they will take our word for it & not pay us a visit but return the debt to council & they pay & make my hubby bankrupt. Biggest scenario is I do not want bailiff coming to my home

Rv was approx £21000

If I don't let them in will they go away & send debt back to council

We were charged an extra 6 months after we vacated the property because we did not give notice to our pub co landlords & they said we were still responsible

Sole traders

Can anyone give me advice, I have been made bankrupt recently, my problem is I had a business in joint tenancy with my husband & due to Mounting debts closed down August 2013, the business rates debt has been passed to bailiffs total of £17000 pounds, I told bailiff I am bankrupt & they tell me it makes no difference because my hubby isn't bankrupt, I am not in a job & my hubby only earns £1000 per month now the bailiff say they are coming to our home if We do not pay £745 per week, what's our best option I don't want the embarrassment of them coming to my house to see if I have anything Of value, what should we do

Thanks

Before

No profit & yes a very exaggerated br if breakdown, I will attach tomorrow

Enterprise use debt recovery plus, Manchester based

Enterprise inns, they did not even instruct us they would send a bailiff for rent arrears & when they did they said they did not have to give us advance warning, I will find name of bailiff co. Tomorrow off bank statements

We have just received their solicitors letter threatening court if we do not settle by 09/04/2014 which has now past

Please help! mY HUSBAND & SELF HAD A FIVE YEAR TENANCY AGREEMENT WITH A PUB CO, HOWEVER AFTER STRUGGLING FOR 2 YEARS & RUNNING UP LARGE BUSINESS RATES & RENT ARREARS we approached our pubco & desperatley begged them to let us leave the tenancy early, which they said they would not let us do until they found someone else suitable & we had to carry on, but they made life very difficult sending in bailliffs for rent arrears & as we paid them one bill they would send them round again so on etc. To try & get help from them was impossible & we couldnt pay hmrc or our business rates so we had no choice but to leave as we couldnt buy our beer from our tie because they would take the money towards rent arrears etc. now we have been billed for dilapadations , cleaning & clearing, rent etc. I have been made made bankrupt but because its joint tenancy we are trying for my husband to have to go through this proceure. A ny advice would help us sleep!

When someone tells you not to worry it falls on deaf ears but really no worries, read my post it's amazing that there is light at the end, your in a good position go out & fight them,

Hey thanks am I entitled to reclaim all charges & how do I go about it.

eviction suspended! thankyou everyone for your help, appeared before the judge 30/12/13 but was approached by ge representative before hand to be told by them they would be opposing my offer to pay off arrears quickly, the judge looked at my payment proposals & income & expenditure & told ge i had made an exceptional offer & she then suspended the eviction with the added surprise to pay off the arrears at the rate of extra £200 per month & that it was entirely upto me if i wanted to pay the lump sums i had promised or pay what she had ordered, left the court to be stopped by ge representative who asked to confirm my phone number , which i duly gave her but also told her i was to be contacted in writing only. to anyone else in my situation this is a fantastic site to get advice on & i hope you get the sane results.

so nice to see your name appear, i see from past cases you have been an excellent rock, thanks for the link do you think i am dealing with this right by taking each step as it arises, i am doing this because its buying me time to raise more money in order to try & save my home, i think even under bankruptcy theres not a great deal of equity ( i hope)! and we may raise enough to buy back the interest through family.

hi everyone, i need some advice on what to reveal to judge when i fill out n244 to take to court tomorrow, whilst i am fighting ge money to avoid eviction & offer a good lump sum i also am awaiting an eviction date from acenden anytime now for arrears of £4000 on secured loan, £2100 of that are interst etc, i did speak to acenden & they informally agreed to accept £1500 lump sum & spread the remainder over term but i asked to confirm in writng before i paid the £1500 which they have not done & said until i paid it they couldnt agree the payment plan, i did not pay the £1500 however did increase my monthly payment to what they said it would be if i had paid £1500, i did this last month & will also do this month. i can pay £1500 to them as i am trying to balance everything out in order to keep my home by paying ge & acenden the minimum lump sums to avoid eviction, also i am being made bankrupt & theres not much equity so should be much better off when all small debts diappear. how much do i tell the judge?

THANKS FOR YOUR POSITIVE REPLY, i also agree i am always correcting people for slang, but i am a very lazy typist, as you can see, no correct punctuation etc!