I have been living abroad for the last 18month and fortunately enough I visited the Uk on holiday on to find an SDA through the letter box. I called the process server to find out what it was all about, he informed me that he had to serve a bankruptcy petition and wanted to know where he could come to meet him. As I was flying out of the country the next day, I informed him that I was not resident in the country and did not receive any information from them. Returned to the UK a few weeks ago only to find a Substituted SDA stamped by the court and sent by Ist Credit solicitors notifying me of a hearing date. In my panic I went to borrow money to pay off the balance outstanding because I had no clue on what to do, contacted insolvency practitioners who were going to be charging £200 per hour (dint have the money to pay for that kind of fee). I went abroad again only to receive another notice from the solicitors. I no longer reside in the UK and work abroad for the last 18months The debt was transferred from Halifax to 1st Credit. total debt £10350. The debt was paid off before the hearing date, but I have since received another court notice from 1st credit solicitors requesting about £3000 in court fees. I want to dispute this cost, can this be done, I do not have any more funds to pay for costs, what can I do, hearing is in 2 days time Need help

I posted this earlier but later i saw this part of the forum which seems to be relevant to the issue so i posted here...am sorry for the double posting but i dont know how to transfer the other post to this subforum......so please be gentle and help me.... Today i got statutory demand under section 268(1) of the insolvency act 1986. Debt for liquidated sum payable immediately...from the council for council tax i have attached the letter here .....please i will appreciate any help as iam told i have 18 days to set it aside what should i do......is there any way out .....is there any argument i can use to get an installmental payment agrreed.....i went through a rough patch for the past couple of years but thank God i have just gotten a permanant job this month and things are getting better...and i think i can be able to now start upsetting all my previous debts albeit installmentally.

Dear All, I am urgently looking for some help & support - I just received a notice "B10 Notice of registration of a bankruptcy notice" informing me of "(22.07.2011) BANKRUPTCY NOTICE entered under section 86(2) of the Land Registration Act 2002 in respect of a pending action..." and giving me a reference to a petition entered in the High Court!! This is the first thing I have heard from anyone and rang the court who confirmed a petition had been filed on 19/07/2011 by: Lowell Portfolio Limited Graheam Danby Solicitors Case Ref: 921286839 Tel: 0113 3086043 Litigation Dept Lowell Group 1 Apex View Leeds LS11 (BA8 (Exactly as above complete with what seems typo's). AND I AM DUE TO APPEAR IN COURT on 06/09/2011 at 10:30am....!! The court further told me they could not tell me what the amount was and the petitioner should have served documents on me and nothing would be sent by the court.... Had I not got the Land Registry letter I would have not known anything about this....??? I called the number given and the agent who answered the phone told me he did not recognise the reference number and when I asked who I should write to he gave me the following: Hamptons PO Box 173 Leeds LS11 9WR When I asked who they were as the names were different he said "we are all part of the same group" and the took my full name and address which I gave and then thought, hang on I don't know who I am actually talking too & declined to answer his further "security questions" and said I would write to them. I am now very concerned and stressed out as it would seem that someone without any communication having been sent to me has actually petitioned for my bankruptcy which if not for the Land Registry letter I would have no idea was actually happening! I suspect this may relate to an old credit card or bank O/D debt from around 2004/05 but at this stage I don't know... Question is what should I do now: a) Apply to the court to have the petition hearing stayed, struck out and/or set aside? b) Write to Lowell/Hamptons/Graheam Danby and ask them to produce all paperwork? c) Advise Land Registry that I have no proper knowledge of the debt? Please let me know what you would suggest I do - a) or a) & b) or all of the above & any template docs much appreciated. Presumably the petitioning creditor should have served a Stat Demand, identified what the debt is & how they have any rights to it - i.e. Assignment, purchased, etc. Further can I demand that they produce statements & the like because if it is the creditor I think it might be, it should now be barred by limitation as there has been no contact over the years? Any help & advice very gratefully received... Many thanks Barry

Long story short... business suffered when clients went out of business owing me lots of money - so incurred massive debts. Coop Bank are due approx £11K (they keep adding default sums and interest, despite being a DMP for a bit and also me writing to them asking to stop this). I entered into a DMP with SOLACE, made 2-3 payments, then discovered they went out of business and payments to card companies were not being made. I wrote to Coop and others to tell them this and started paying £40 to each of them - totally more than I could afford, to be honest, and also not pro rata. Eventually stopped paying Coop in November - angry at them not freezing interest and adding to the debt with fees. Coop wrote to me in December and offered 50% settlements. I ignored their letter and all calls. They have now written a letter (attached) threatening a bankruptcy petition - stating my house is worth a certain amount and that there is no mortgage on it!! In actual fact, the property is worth less than the mortgage on it, I think. Personally, I think they are playing hard ball, in order to get me to communicate with them. Haven't lenders been warned about unnecessary bankruptcy petitions where it can be avoided etc...?coop-letter-1_2_11.pdf Can someone please help with some good advice...?

Hi We have been trying to resolve our tax issues with HMRC for about two years: 1. Returns kept on being sent to an incorrect address. This meant a delay of about a year in resolving things with HMRC. HMRC insisted that they needed the original returns before considering time to pay. 2. HMRC sent a statutory demand to an incorrect address. Then apparently to an office address. Under EC regulations I believe that the demand was also served in the wrong Country. 3. The bankruptcy petition was sent to the same incorrect address again. Then to an office address. As far as I can see there was no reason for substituted service. 4. HMRC either do not bother to deal with complaints and/or take a very long tiime to respond. 5. HMRC now seem to be very hardline and do not appear to be willing to consider time to pay and do not wish to adjourn the hearing. They say that the have already adjourned one hearing to give time to pay. They also seem to think that whatever mistakes they have made do not matter. Any advice on what to do? Form 6-19 has already been sent by fax. Any recommendations for a good reasonably priced lawyer? Thanks. wert