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Dealing with Debt / Inverno 2017-2018 freddo e neve. L'inverno secondo
« Last post by lom on Oct 18, 2017, 07:30:57 AM »
Inverno 2017-2018 freddo e neve. L'inverno secondo.
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Dealing with Debt / Re: Catalogue Debt and EOS Solutions.
« Last post by Lisa Thomas on Oct 04, 2017, 05:13:38 PM »
Sorry to hear of your illness.

You need to respond as this will not go away and will only increase due to costs and interest and make things more stressful for you.

They should ask you to fill in some financial documents to prove your inability to pay the debt and hopefully you can reach a repayment plan with them, and get any interest and charge frozen.

You could consider contacting the CAB or a charity like Stepchange for more advice or consider a debt management plan, but for one creditor I suspect it will be simpler to deal with them direct.
Bankruptcy / Re: Post Bankruptcy - can i be named on house deeds?
« Last post by Lisa Thomas on Oct 04, 2017, 05:11:31 PM »
I agree with Scrooges answer. No issue unless you are still Bankrupt OR if your husband has insolvency problems in the future this could cause a problem for both of you.
Dealing with Debt / Catalogue Debt and EOS Solutions.
« Last post by Misssparkle on Oct 03, 2017, 02:57:21 PM »
Hi. Hope someone can give me some advice. For the past few years I have been receiving letters from EOS Solutions acting on behalf of Grattans catalogue regarding money I owe on an old account. I did send one payment of £5.00 but then I was diagnosed with cancer and on chemotherapy and consequently couldn't work. I didn't send any more money and every few months I would receive a letter from EOS asking for money. I still don't work because of the cancer and probably buried my head in the sand hoping they would go away and leave me alone. I now have received a letter from a solicitors acting on their behalf asking me to pay the debt back which I just can't afford. Any advice on what to do next would be much appreciated as its stressing me out. Are they likely to accept something like £5 a month from me? The debt is £617.93. Thanks.
Bankruptcy / Re: Post Bankruptcy - can i be named on house deeds?
« Last post by Scrooge on Oct 03, 2017, 01:00:28 AM »
Not quite sure of what you mean by dissolved? Do you mean you are now a discharged bankrupt, IE: the period where you were classed as bankrupt has ended? If that's the case your name on the deeds won't matter as long as you are sure you are definitely discharged from bankruptcy.

You may find this useful from The Insolvency Service:


1. What is after-acquired property?

After-acquired property is any property (but not income) which has been acquired by or devolved upon the bankrupt since the commencement of the bankruptcy proceedings. Section 307 of the Insolvency Act 1986 allows the trustee of the bankrupt’s estate to formally claim such property by notice in writing for the benefit of the estate.

The trustee may claim such property even if the trustee only becomes aware of the property after the bankrupt’s discharge, providing it was acquired by, or devolved upon, the bankrupt between the date of the bankruptcy order and the date of discharge.
Dealing with Debt / Re: Advice on debt
« Last post by Lisa Thomas on Sep 25, 2017, 09:40:22 AM »
I disagree with you ERF - can you justify your comments please?
Dealing with Debt / Re: Advice with utility debts
« Last post by Scrooge on Sep 23, 2017, 12:50:18 AM »
I'm not surprised :o . To keep it simple, it doesn't matter if you've got 36 people living in your house, the person responsible for paying the gas and electric bills is the account holder......not his wife, granny, Uncle or mother-in-law. If the account holder is YOU only, YOU are responsible for paying the bills. If you don't pay or make an arrangement to repay, you risk disconnection and the debt being passed on to a debt recovery agent.

If anyone else is named on the account like your wife, she will be jointly responsible for the bills.
Dealing with Debt / Re: Advice on debt
« Last post by ERF on Sep 22, 2017, 09:23:21 PM »
Hi, IVA or bankruptcy are not the way forward. You are not in debt and that is not how the credit system works, in fact in equity you are the beneficiary of these accounts where you are owed funds and are in fact the creditor not the debtor.
Dealing with Debt / Re: Advice with utility debts
« Last post by davidrichards27 on Sep 22, 2017, 09:22:43 PM »
Thanks for the last post, but that has totally confused me.

As it stands, I am getting some debt counselling from CAB with a view to applying to EDF and British Gas Energy Trusts.

Let's see what happens?
Dealing with Debt / Re: Help
« Last post by ERF on Sep 22, 2017, 09:20:33 PM »
Hi, there are ways to recover the car finance and deal with PRA. They have no notice of assignment.
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