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Bankruptcy


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What kind of debt is it? I.e. Credit card, store card, loan. Did you take it out pre April 2007? If it was disputed how did they get the decree - did you not defend it? Do you have any other debts you are struggling to pay?

 

Sorry for all the questions, but will help me to give you my opinion.

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Hi,I think it was a credit card taken out around 2002, they got a decree against me because I was not living at the address at the time. I only found out about this decree last year when they put an inhibition order on my house! I dont even know what the original debt is and can find no information for help. I didnt think it was legal to try and bankrupt someone for £3,500? I am really desperate for advice!

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a creditoe can apply for you bk if you owe more than £3000 to them.

 

As you are aware of the inhibtion order it would be very unlikley that the court would allow a recall of the decree. This means the process would start from scratch if the docs were sent to the wrong address. That is something you would need to think about.

 

Have you received a charge for payment?

 

You can still send the card issuer a sar to get all the details and statements but there wonlt be much you can do with it if the decree has already been granted.

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Hi Ida,Do you know where I can find a good debt lawyer to deal with this. I am in Falkirk but know of no lawyers in this area specialising. So probably Glasgow or Edinburgh. I think I need professional advice fast! I received no charge of payment that i can recall. Thing being I wasnt at the address they are chasing me at now, so dont know.Thanks

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