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Bradford and Bingly Income & Expenditure form


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Hi

 

This is just a very quick question and I think I already know the answer but just want to check.

 

A while a go I (and my x wife) had a voluntary repossession and as a result owed some money back to B&B

 

Each year around this time they contact me to fill out a income and expenditure form which I fill in and offer an extra £10 per month on what I already pay which keeps them happy.

 

About 4 years ago I had a charging order put on my new property which I own with my new partner.

 

Last year I found out that my x was no longer paying toward this debt because B&B where not able to contact her for a number of years.

 

I ask what they did to find her new address and they replied "everything we could think off"

 

When I asked why they did not contact me they went a little quiet.

 

It would appear that the charging order I have now could be a result of them no longer having contact with my x and they want to ensure they get there money back.

 

I have played fair in trying to pay this debt off so this year while I am happy to offer my annual £10 increase I am not happy to fill out the I&E form.

 

What I want to double check that I am within my rights to refuse to fill in the I&E form and also can a charging order be removed before the debt is paid off ?

 

Thanks in advance for any help

 

J

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there are many instances whereby B&B made errors when taking people to court.

 

are you happy you actually owe this?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, Thanks for the reply.

 

I am happy I owe the money. This was the short fall between the mortgage and the sale of the house.

 

Just a little annoyed that while I have played ball with them they have been a little less than honest with me. Which is why I want to tell them I wont be filling in the I&E form but will increase my payment but £10

 

Thanks

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I wouldn't increase the offer at all, least of all fill in their I&E forms, there is NO legal obligation to do this, only a judge can order to view such private and personal information.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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