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31
Hi Lisa,

Perfect, thank you very much for this information.
We were kept in the dark by an unscrupulous law firm that visited on the 21st dec and we were away.
therefore we could not respond. they also spoke to our neighbours a month later before posting another letter to us
which we have on cctv. This neighbour is very jealous of us and caused trouble regarding this matter for us
and started to intimidate my wife and I. We then had an arrangement to pay £2k per month but they still issued the proceedings and had to go to court. I was away but came back for the court date and we had another month. we got the money and paid so no CCJ or bankruptcy was issued.
Not happy though as I have a letter from the company agreeing to the payment plan but they still did this.
We have a lot of evidence, we were kept in the dark, the process servers did not [** sorry, no personal contact invitations allowed **] reasonably as when they wrote to us they did not write any details about what it was about. literally just a phone number and call us. so we didn't
as we didn't know what it was about. Had they stated what it was about or a reference number i would have called them. we get all kinds of junk mail.

anyway its done.

however the solicitor they used made a threat against me in the court meeting room which we recorded with his permission.
as they constantly lied we asked if we could record what he was saying about the agreement for costs, then after this i asked him why they kept lying to us and he made a threat to me and it was recorded, he acknowledges the recording at the beginning and spoke on it for us. He agreed to send us bank details within a week so we can pay the costs (which we disagreed with but just want to end this) we never got the details so never paid the costs and wrote to the judge explaining the whole sad situation including the threat and why we hadn't paid. they wrote to me so i wrote back stating they had breached the court ordered payment agreement by not sending us the bank details and that we have a recording of a threat made by their solicitor so asked them to issue legal proceedings which they stated in their letter to us that they would do. I also stated if they did this we could counter sue them for the tthreat and other incidents such as process servers not informing us reasonably.

so anyway i am waiting now to see what they will do next.

any thoughts or help about this or should i just wait for them to reply?
maybe they will issue legal proceedings but i'm worried they wont write to us about this as they have done this also
a number of times. Due to this we asked them to send us letters by recorded delivery as they have claimed to sent us letters we haven't got which they did do but only a couple of times. we sent them all our letters by recorded delivery.

thanks

qwerty123
32
Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 12:15:21 PM »
Best of luck.
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by jono987 on Nov 15, 2017, 12:08:46 PM »
Thank you, i will fire an email to my OR and see what their stance is :)
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 11:51:05 AM »
It will be up to the O.R to decide but worth asking now so you can get it settled as soon as possible if they say yes.
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by jono987 on Nov 15, 2017, 11:49:11 AM »
Oh wow i never knew that! So do i contact the OR, tell them my parents have some money saved and have offered to settle my IPA? Should i wait until January when i am discharged?


Does this mean i can look for better paid jobs after its settled without risking all the extra money up?


Thanks!
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 11:47:10 AM »
Not if you have done a deal - you will settle the IPA early (if they accept) and they can then also close the BKY early (if no other issues to deal with).
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by jono987 on Nov 15, 2017, 11:42:45 AM »
Hi, yes but as far as im aware this will not end the IPA. The official receiver will still want to know any changes in my incoming / outgoings. I wasnt aware you were aloud to pay off your IPA, only an IVA.
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 11:24:17 AM »
so if you have c 2 years left to pay in your IPA you will be payinf £2,400.  It seems you have plenty to offer to pay this as a lump sum from your parents money?
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by jono987 on Nov 15, 2017, 11:18:59 AM »
Oh ok thanks, my IPA is £100 a month the gift is 15k, its savings my parents have saved over their lifetime for me and my older brother.
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Bankruptcy / Re: Gift from Parents after discharge but while in an IPA?
« Last post by Lisa Thomas on Nov 15, 2017, 11:17:39 AM »
How much are you monthly IPA payments?  How much is the proposed gift?


It would be classed as an after acquired asset and be due into your BKY estate if you accept it.
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